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　　中国人民银行决定，自2012年7月6日起下调金融机构人民币存贷款基准利率。金融机构一年期存款基准利率下调0.25个百分点，一年期贷款基准利率下调0.31个百分点；其他各档次存贷款基准利率及个人住房公积金存贷款利率相应调整。

The people's bank of China decision，Since July 6, 2012, cut up the financial institutions benchmark interest rates。Financial institutions the 1-year benchmark deposit rate 0.25%，The benchmark one-year lending rate by 0.31%；Other each class the benchmark interest rates and individual housing accumulation fund loan rate adjusted accordingly。

　　自同日起，将金融机构贷款利率浮动区间的下限调整为基准利率的0.7倍。个人住房贷款利率浮动区间不作调整，金融机构要继续严格执行差别化的各项住房信贷政策，继续抑制投机投资性购房。>>快讯:年内二次降息！央行下调金融机构人民币存贷款基准利率

Since became effective，Will financial institutions loan interest rate band the lower limit of benchmark interest rate adjusted for 0.7 times。Personal housing loan interest rate floating interval is not made adjust，Financial institutions should continue to strictly carry out the policy of differentiation housing credit，Continue to restrain speculative investment the house。>>Flash: years second to cut interest rates！The central bank cut financial organ renminbi benchmark interest rates

365地产家居网第一时间连线了南京万唐置业总经理周斌，他表示 365 real estate JuWang first time home buyers all attachment nanjing tang b. general manager，He said

　　再次降息的目的是使经济活跃起来，降低企业的负担。与前一次相比不同的是，此次降息的存贷款是不对等，贷款利率的下降幅度更大一些，这也是政府扶持实体经济的一种有效手段。对宏观经济有利，而对房地产也是直接利好，不管是对买房人还是开发商双方都是有利的，成本降低了。

The aim is to cut interest rates again to make the economy get active，Reduce the burden of the enterprise。Compared with the former one is different，The interest rate cut is wrong, etc，Mortgage rates decline was even larger，This is also the government support to the real economy a effective means。On macro economic benefit，And real estate is also good for directly，Whether to buy room person to or developers both sides is favorable，Cost reduced。

　　同时降息将使越来越多的开发商认同房地产市场，今年是市场的拐点，房地产本身调整已有2年时间，时间上调整已经比较充分，在实体经济减速厉害情况下政府需要房地产来带动实体经济的发展。接下来的房地产市场必然出现一定的反弹，但会是“U型”底部的反弹，不是“V型”底部的反弹，需要一定的时间才会出现大幅变化。

At the same time to cut interest rates will make more and more developers agree with the real estate market，This year is the market a turning point，Real estate itself adjustment been two years of time，Time has been more fully adjusted，In severe cases entity economic slowdown government need to real estate to drive the development of the real economy。The real estate market is inevitable certain rebound，But will is“U”The bounce of the bottom，not“V type”The bounce of the bottom，Need some time will face a change。

　　未来2-3年限购政策不会取消，而地方政府及金融、财政类救市政策则会不断陆续出台，从年初微调的陆续叫停到目前的放松代表政府已经有一定容忍度。未来成交量会不错，房价会出现温和型上涨。（365地产家居网 贾丛）

The next two to three years 限购 policy would not be canceled，And the local government and financial、Fiscal policy will save the city of continuous comes on stage in succession，From the beginning of the stop in succession to fine-tune the current relax representative government has a certain tolerance。The future volume will be good，House prices will rise in mild type。（365 real estate home JuWang JiaCong）