【甘肃三市取消首套房贷利率下限 助力房地产市场复苏】
中新网兰州4月11日电 (王牧雨)中国人民银行甘肃省分行近日发布消息称，为促进房地产市场平稳健康发展，甘肃省内已有兰州、平凉、白银三地市积极响应首套房贷利率政策动态调整机制，相继取消首套房贷利率下限，旨在降低购房者的贷款成本，激发市场活力。
据了解，自2023年10月起，兰州市与平凉市率先取消了首套房贷利率下限，为当地居民购房提供了更为优惠的金融条件。紧随其后，白银市自今年4月1日起也执行了这一政策调整，进一步放宽了房贷政策，为市民购房减轻了负担。
这一举措的实施，预计将对甘肃房地产市场产生积极影响，有望刺激潜在购房需求，推动市场回暖。同时，此举也是地方政府在中央宏观调控政策指导下，根据本地实际情况，灵活调整金融政策，以支持实体经济和居民住房需求的体现。
业内人士分析，取消首套房贷利率下限将直接降低购房者的月供压力，增加购房意愿，对于提振房地产市场信心具有重要作用。同时，此举也有利于稳定房地产市场预期，促进经济稳定增长。
中国人民银行甘肃省分行表示，将继续密切关注市场动态，适时调整和优化金融政策，确保房地产市场健康、有序发展，为甘肃省经济社会发展提供有力支撑。
英语如下：
News Title: “Lanzhou, Pingliang, and Baiyin in Gansu Province Remove Floor on First-Time Home Loan Rates”
Keywords: Gansu mortgage, interest rate floor, three cities cancel
News Content:
LANZHOU, Gansu, April 11 (Xinhua) — The People’s Bank of China (PBOC) Gansu Branch recently announced that to promote the stable and healthy development of the real estate market, three cities in Gansu Province – Lanzhou, Pingliang, and Baiyin – have actively responded to the dynamic adjustment mechanism of first-time home loan rate policies, successively removing the floor on such rates. This move aims to lower borrowers’ financing costs and boost market vitality.
It is understood that since October 2023, Lanzhou and Pingliang were the first to remove the floor on first-time home loan rates, offering more favorable financial conditions for local residents. Following suit, Baiyin implemented this policy adjustment from April 1, 2024, further easing mortgage policies and alleviating the burden on homebuyers.
This measure is expected to have a positive impact on the Gansu real estate market, stimulating potential homebuyer demand and driving market recovery. It also demonstrates local governments adjusting financial policies flexibly based on local conditions under the guidance of central macroeconomic policies, to support both the real economy and residents’ housing needs.
Industry insiders analyze that the removal of the floor on first-time home loan rates will directly reduce monthly mortgage payments for buyers, increasing their willingness to purchase homes. This is crucial for boosting confidence in the real estate market. Moreover, it contributes to stabilizing market expectations and facilitating steady economic growth.
The PBOC Gansu Branch stated that it will continue to closely monitor market dynamics, adjusting and optimizing financial policies as needed, to ensure the healthy and orderly development of the real estate market, providing strong support for the economic and social development of Gansu Province.
【来源】http://www.chinanews.com/cj/2024/04-11/10197130.shtml
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