北京等四座城市出臺樓市新政 有利於防範炒房現象

The housing curbs by Beijing and three other major cities are part of the larger effort to rein in China's real estate industry where home prices tended to skyrocket of late, threatening to create a property bubble, experts said.

北京等4大城市於日前出臺樓市限購措施，這是我國加大房地產行業調控力度的部分舉措。專家稱，近來房價飛漲的勢頭有製造房地產泡沫的風險。

Last Friday, Beijing raised the down payment requirements for buyers of a second home from 50% to 60% of the full price.

上週五，北京市將二套房買家的首付比例從總價的50%上調至60%。

Now, buyers of a second home are defined as those who have a record of either a residential property ownership or a mortgage.

現在，二套房買家的認定是名下有登記住宅物業或曾有過房貸記錄的買房人。

In the past, if buyers whose mortgage had been paid off had applied for a new mortgage for a second home, they were regarded as first home buyers.

過去，只要買家的房貸已還清，他們爲購買第二套房再申請房貸時則被視作首套房買家。

Like Beijing, Guangzhou, Shijiazhuang and Zhengzhou announced similar measures to contain speculative buying in the residential segment of the property industry, and thereby ensure housing remains a necessity for personal use, not an investment avenue.

廣州、石家莊和鄭州也宣佈了和北京類似的舉措，以抑制房地產行業住宅領域的投機性購房，從而確保房子仍是滿足自住的必需品，而不是投資手段。

Zhang Dawei, chief analyst with Centaline Property, said the measures would have a significant impact on Beijing's housing market, particularly preowned homes and luxury properties.

中原地產首席分析師張大偉表示，這一措施會對北京的房地產市場有重要的影響，特別是二手房和奢華豪宅。

"People who sell one apartment to buy another one will be defined as buyers of a second home and have to pay higher down payment. This would hurt sales of preowned homes as well as their price growth. If the new measures continue for a year, I'd expect the capital's average price of preowned homes to drop around 15 percent," said Zhang.

張大偉說道：“那些賣掉一套房，隨後再買另一套房的人會被定義爲二套房買家，將不得不支付更高的首付。這將影響二手房的銷售及價格增長。如果新措施持續一年，我預計北京二手房的平均價格將會下降15%左右。”