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，为促进房地产市场平稳健康发展，该行已取消了宁夏各城市的首套和二套商业性个人住房贷款利率政策下限。同时，下调了商业性个人住房贷款的首付比例，将首套房的首付比例从原来的不低于20%调整为不低于15%，二套房的首付比例从原来的不低于30%调整为不低于25%。
此次政策的调整，旨在减轻购房者的财务负担，激发市场活力。对于首次购房者来说，首付比例的下调将使得他们能够以更低的成本获得贷款，从而增加购房的可能性。而对于已经有房产的购房者，二套房首付比例的调整也有助于他们继续在房地产市场中进行投资。
宁夏回族自治区分行的这一举措，是根据国家关于房地产市场的总体要求和当前市场形势作出的调整。随着政策的落地，预计将有助于缓解房地产市场的压力，促进供需平衡，实现房地产市场的稳定发展。
中国人民银行宁夏回族自治区分行强调，将继续关注房地产市场的发展动态，适时调整相关政策，以保证房地产市场的健康稳定。同时，该行也将加强金融监管，防范金融风险，确保房地产市场的平稳运行。
英语如下：
Title: New Mortgage Policy in Ningxia: Cancellation of Interest Rate Floor for First and Second Homes, Adjustment in Down Payment
Keywords: Interest Rate Floor, Down Payment Adjustment, Housing Loans
Content:
BEIJING, May 25 (Xinhua) — The People’s Bank of China in the Ningxia Hui Autonomous Region announced on May 25 that in order to promote a stable and healthy development of the real estate market, the region has lifted the interest rate policy floor for first and second homes in commercial housing loans across the cities of Ningxia. Simultaneously, the down payment requirement for commercial housing loans has been reduced. The down payment for the first home is now adjusted from not less than 20 percent to not less than 15 percent, and for the second home from not less than 30 percent to not less than 25 percent.
This policy adjustment aims to alleviate the financial burden on homebuyers and stimulate market vitality. For first-time homebuyers, the reduction in down payment will enable them to obtain loans at a lower cost, thereby increasing the likelihood of purchasing a home. For those who already own a property, the adjustment in down payment for the second home also helps in continuing their investment in the real estate market.
The measures taken by the Ningxia Hui Autonomous Region are in response to the overall requirements for the real estate market set by the state and the current market situation. With the implementation of these policies, it is expected to alleviate pressure in the real estate market, promote balance between supply and demand, and realize the stable development of the real estate market.
The People’s Bank of China in the Ningxia Hui Autonomous Region emphasizes that it will continue to monitor the development dynamics of the real estate market and adjust relevant policies in a timely manner to ensure the healthy and stable development of the real estate market. At the same time, the bank will strengthen financial regulation and prevent financial risks to ensure the stable operation of the real estate market.
【来源】http://www.chinanews.com/cj/2024/05-25/10223277.shtml
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