兩部門：各地可按照因城施策原則，自主確定轄區內首套和二套住房最低首付款比例和利率下限

美港電訊
2023.08.31 12:13
金十數據 8 月 31 日訊，中國人民銀行、國家金融監督管理總局：此次差別化住房信貸政策調整優化的重點，一是統一全國商業性個人住房貸款最低首付款比例政策下限。不再區分實施 “限購” 城市和不實施 “限購” 城市，首套住房和二套住房商業性個人住房貸款最低首付款比例政策下限統一為不低於 20% 和 30%。二是將二套住房利率政策下限調整為不低於相應期限貸款市場報價利率（LPR）加 20 個基點。首套住房利率政策下限仍為不低於相應期限 LPR 減 20 個基點。各地可按照因城施策原則，根據當地房地產市場形勢和調控需要，自主確定轄區內首套和二套住房最低首付款比例和利率下限。
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