二套房贷首付降至四成 [薄荷猫reported]

The minimum down payment required for a loan to purchase a second home has been reduced to 40% of a property's value, if the household has not paid off their loan for their first home, according to a statement jointly released Monday by the central bank, the Ministry of Housing And Urban-Rural Development and the Banking Regulatory Commission. 央行、住建部、银监会30日联合下发通知，对拥有一套住房且相应购房贷款未结清的居民家庭购二套房，最低首付款比例调整为不低于40%。 同时，缴存职工家庭使用住房公积金委托贷款(housing provident fund loan)购买首套普通自住房(self-use residential house)，最低首付比例(down payment ratio)下调为20%；拥有一套住房并已结清贷款的家庭，再次申请住房公积金购房，最低首付比例为30%。 二套房用英文表达即second home，二套房贷可以用例句中的loan to purchase a second home表达，也可以用loans for second-home buyers或mortgages on second homes。首次置业者(first-home buyers)可享受首套房优惠贷款(favorable first-home loans)，享有首套房按揭贷款优惠利率(preferential interest rate on first-home mortgage)。