【宁夏取消首套和二套住房商业性贷款利率政策下限】
中新网银川5月25日电 (记者 于晶)5月25日，中国人民银行宁夏回族自治区分行宣布，自即日起，取消宁夏各城市首套、二套房贷利率政策下限，并调整商业性个人住房贷款最低首付比例。根据新规，首套房贷款的首付比例不低于15%，而二套房的首付比例则不低于25%。
此次调整旨在进一步优化房地产市场调控政策，促进房地产市场平稳健康发展。在此之前，宁夏部分城市实施的首套和二套住房商业性贷款利率政策下限，对房地产市场起到了一定的刺激作用。然而，随着市场形势的变化，需要对相关政策进行适时调整，以适应市场的新需求。
此次调整意味着，购房者在购买首套房时，需要支付的最低首付比例从之前的20%下调至15%，而在购买二套房时，首付比例也从之前的30%降低至25%。这一变化，预计将减轻购房者的财务压力，提高他们的购房积极性，同时也有助于稳定房地产市场预期，促进房地产市场平稳健康发展。
中国人民银行宁夏回族自治区分行表示，将继续密切关注房地产市场动态，根据国家宏观调控政策要求，适时调整相关政策，确保房地产市场健康稳定发展。
英语如下：
News Title: New Mortgage Policy in Ningxia: Cancellation of Interest Rate Lower Limits for First and Second Homes, Reduction in Down Payment
Keywords: Interest Rate Lower Limit, Down Payment Adjustment, New Mortgage Policy
News Content:
[Ningxia Cancels Interest Rate Policy Lower Limits for First and Second Homes]
Hong Kong, May 25th (Xinhua News Agency) – On May 25th, the People’s Bank of China’s Ningxia Hui Autonomous Region branch announced that starting from today, the interest rate policy lower limits for first and second home mortgage loans in Ningxia cities will be abolished, and the minimum down payment ratio for commercial individual housing loans will be adjusted. According to the new regulations, the minimum down payment ratio for the first home loan is not less than 15%, while for the second home loan, the down payment ratio is not less than 25%.
This adjustment aims to further optimize real estate market regulation policies and promote a stable and healthy development of the real estate market. Before this adjustment, the interest rate policy lower limits for first and second home commercial loans in some Ningxia cities had stimulated the real estate market to a certain extent. However, with changes in market conditions, it is necessary to adjust related policies in a timely manner to meet the new market demands.
This adjustment means that when purchasing a first home, the minimum down payment ratio has been reduced from the previous 20% to 15%, and when purchasing a second home, the down payment ratio has been lowered from the previous 30% to 25%. This change is expected to alleviate the financial burden on home buyers and boost their enthusiasm for purchasing homes, while also helping to stabilize real estate market expectations and promote a stable and healthy development of the real estate market.
The People’s Bank of China’s Ningxia Hui Autonomous Region branch stated that it will continue to closely monitor the dynamics of the real estate market and adjust relevant policies in a timely manner according to national macro-control policy requirements to ensure the healthy and stable development of the real estate market.
【来源】http://www.chinanews.com/cj/2024/05-25/10223277.shtml
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