正文：
中国人民银行广东省分行今日发布消息，广东省内包括广州、深圳在内的19个城市已取消首套房和二套房商业性个人住房贷款利率下限，实行房贷利率市场化。这一政策的实施，标志着广东房贷市场利率将更加灵活，根据市场供求状况和银行信贷成本等因素进行调整。
在此之前，这些城市执行的房贷利率下限政策，旨在刺激房地产市场，缓解购房者的贷款压力。然而，随着房地产市场调控政策的不断深入，以及经济形势的变化，广东省决定放开利率下限，让市场机制发挥更大作用。
实行市场化利率后，银行将根据自身的资金成本、风险管理等因素，自主确定贷款利率水平。这有助于促进房贷市场的公平竞争，同时也要求银行加强风险控制，确保信贷资产质量。
对于购房者而言，市场化利率可能会带来房贷成本的波动，他们需要更加关注市场动态，选择合适的时机和银行进行房贷操作。同时，这一政策的调整也被视为房地产市场调控的又一重要举措，旨在促进市场的健康发展。
此次政策调整的具体影响还需要市场参与者进一步观察和评估，但可以预见的是，随着市场机制的深入参与，房贷市场将更加多元化，为购房者提供更多选择。
记者：许青青
来源：中新社广州
日期：5月24日
英语如下：
Title: “Nineteen Cities in Guangdong Fully Marketize Home Loan Interest Rates”
Keywords: mortgage marketization, Nineteen Cities in Guangdong, removal of interest rate caps for first and second homes
News Content:
Title: Marketization of Home Loan Interest Rates Fully Implemented in Nineteen Cities of Guangdong, Cancellation of Caps for First and Second Homes
Text:
The People’s Bank of China’s Guangdong branch announced today that commercial personal housing loan interest rates in nineteen cities within the province, including Guangzhou and Shenzhen, have been fully marketized, with the elimination of interest rate caps for first-time home buyers and those purchasing a second home. This policy implementation marks a more flexible approach to home loan market interest rates in Guangdong, which will be adjusted based on market supply and demand conditions and bank lending costs.
Prior to this, the implementation of interest rate caps in these cities was aimed at stimulating the real estate market and easing the loan pressure on homebuyers. However, with the deepening of real estate market regulation policies and changes in the economic situation, Guangdong Province has decided to lift the interest rate caps, allowing market mechanisms to play a greater role.
With the implementation of marketized interest rates, banks will independently determine their loan interest rates based on their own capital costs, risk management, and other factors. This helps to promote fair competition in the mortgage market and also requires banks to strengthen risk control to ensure the quality of loan assets.
For homebuyers, marketized interest rates may bring fluctuations in mortgage costs, and they need to pay more attention to market dynamics and choose the right time and bank for their mortgage operations. This policy adjustment is also seen as an important measure in real estate market regulation, aiming to promote healthy market development.
The specific impact of this policy adjustment will require further observation and assessment by market participants, but it is foreseeable that with the deep involvement of market mechanisms, the mortgage market will become more diverse, providing more choices for homebuyers.
Reporter: Xu Qingqing
Source: Xinhua News Agency, Guangzhou
Date: May 24
【来源】http://www.chinanews.com/cj/2024/05-24/10222930.shtml
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