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中国的房贷政策是非常严格的,中国有全世界最高的住房首付,首套房的首付一般是30%,二套房的首付一般是60%,像北京等一些城市二套房首付达到70%。而且中国家庭住房的平均贷款年限低于10年。“既不同于美国,也不同于日本,中国房地产所处阶段是调整期,但不会崩盘,不太可能出现美国这种大面积的泡沫破裂。”住建部政策研究中心主任秦虹近日公开发声。
China’s mortgage policy is very strict. China has the highest down payment in the world. The down payment of the first suite is 30%, and the down payment of the second suite is 60%. The down payment of the second suite in some cities like Beijing reaches 70%. And the average loan life of Chinese family housing is less than 10 years. “Not only the United States, but also different from Japan, China’s real estate stage is the adjustment period, but will not collapse, is unlikely to appear in the United States such a large bubble burst. ” Housing Policy Research Center Director Qin Hong recently open Sound.