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新闻英语:贷款优先照顾“首次置业者”3月12日,在十一届全国人大五次会议记者会上,央行副行长刘士余表示,各家银行对居民个人首套自住普通商品住宅的贷款必须予以保证。 请看新华社的报道: The People's Bank of China (PBOC), the central bank, said Monday that commercial banks should put in place a differentiated credit policy to guarantee housing loans to qualified first-home buyers。 央行称,各商业银行应该制定差别化的信贷政策,保证首次置业者的房贷需求。 文中的first-home buyers就是指“首次置业者”,央行今年将全面落实differentiated credit policy(差别化信贷政策),在信贷实行总量管理的前提下,各家银行对个人居民first ordinary commercial housing units(首套自住普通商品住宅)的mortgage loans(按揭贷款)必须予以保证。 对于interest rate(利率)水平,央行鼓励各家financial institutions(金融机构)在央行的benchmark lending rate(基准利率)和首套普通商品住宅prime mortgage rate(贷款优惠利率)的下限之间,根据financial conditions of borrowers(借款人的财务状况)权衡定价。此外,央行还鼓励property market(房地产市场)上的financial innovations(金融创新),如securitization of mortgage loans(抵押贷款证券化),引入real estate trust funds(房地产信托资金)等。 网友评论
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