【正文】 ation on the high housing prices can not play, then inhibition of the tax tools as the killer would be stronger next stage. 英文翻譯 XII New Country 10 was unveiled, ministries, provincial and municipal governments will be gradually introduced at all levels of supporting the implementation of detailed policies, including the central bank, China Banking Regulatory Commission to strengthen the real estate credit management, identification of the second set of housing standards, the third set (inclusive) more home buyers down payment and interest rates。 (2), Two sessions held recently pleted, to the king and then a high price from the firsttier cities spread to the second and third tier cities Extension, housing prices is expected to increase。s livelihood, not only an economic problem, affecting social stability is an important livelihood issue. Price is too high, rose too fast, increasing the population to solve the housing problem through the market difficult, increasing the financial risk, is not conducive to economic and social development. All localities and departments must be fully aware of the dangers of house prices rising too fast, and seriously implement central policy of the real estate market regulation, to take resolute measures to curb housing prices, the promotion of people 39。中文資料 1 英文翻譯 I Chapter II Status of China real estate market and the related national policies Current Situation of Chinese Real Estate Market The status of the real estate market has been a hot topic of national concern. Since the niies real estate real estate market, the most mon assessment is that house prices are too high, or too fast. The formation of the reasons for this are manifold. Current housing prices in general are too high, rising too fast The international level to an authoritative measure of house prices index is the price earnings ratio. Price earnings ratio is a country or city average listing prices and average household ine ratio. World Bank study that price earnings ratio of 3 times to 6 times in between the more appropriate. In China, some scholars have pointed out that many real estate hot spots in our cities, housing prices have already exceeded the ine ratio 12:1. And, increasingly soaring real estate market. 2. The cause of property prices in Chinese cities nonnormal increase Currently the price of urban real estate or nonnormal increase in property prices bubbles can be described as follows: (1) National City 39。各地區(qū)、各有關(guān)部門要積極做好房地產(chǎn)市場調(diào)控政策的解讀工作。住房城鄉(xiāng)建設(shè)部門要會同有關(guān)部門抓緊制定房屋租賃管理辦法，規(guī)范發(fā)展租賃市場。房地產(chǎn)開發(fā)企業(yè)在參與土地競拍和開發(fā)建設(shè)過程中，其股東不得違規(guī)對其提供借款、轉(zhuǎn)貸、擔(dān)?；蚱渌嚓P(guān)融資便利。 住房城鄉(xiāng)建設(shè)部、發(fā)展改革委、財(cái)政部等有關(guān)部門要盡快下達(dá)年度計(jì)劃及中央補(bǔ)助資金。在堅(jiān)持和完善土地招拍掛制度的同時(shí)，探索 “ 綜合評標(biāo) ” 、 “ 一次競價(jià) ” 、 “ 雙向競價(jià) ” 等出讓方式，抑制居住用地出讓價(jià)格非理性上漲。地方人民政府可根據(jù)實(shí)際情況，采取臨時(shí)性措施，在一定時(shí)期內(nèi)限定購房套數(shù)。住房城鄉(xiāng)建設(shè)部、監(jiān)察部等部門要對省級人民政府的相關(guān)工作進(jìn)行考核，加強(qiáng)監(jiān)督檢查，建立約談、巡查和問責(zé)制度。無疑 , 已有的文獻(xiàn)在市場供求、炒作、銀行信貸等方面的分析非常中肯 , 都在一定程度上揭示了中國城市房地產(chǎn)價(jià)格的“非正常上升”的原因 , 但是在一些體制性或者制度性因素上 , 尤其是對于我國特殊轉(zhuǎn)軌時(shí)期地方政府這個(gè)特定因素的分析上 , 更是未能深入。至于形成這種局面的原因 , 各界人士從市場需求、供給等多方面提出各自看法 , 較有代表性的如下 : 1) 市場需要因素 : 城市化效應(yīng)形成的需求、城鎮(zhèn)住房制度改革引致的需求、城鎮(zhèn)居民住房人均面積上升等 所致。形成這種情況的原因是多方面的。世界銀行的研究報(bào)告認(rèn)為， 價(jià)收入比在 3 倍到 6 倍之間比較適當(dāng)。 3) 投機(jī)、炒作因素 : 是房地產(chǎn)商和投機(jī)者“操縱市場、惡意炒作”的結(jié)果 。 住房問題關(guān)系國計(jì)民生，既是經(jīng)濟(jì)問題，更是影響社會穩(wěn)定的重要民生問題。 對購買首套自住房且套型建筑面積在 90 平方米以上的家庭 (包括借款人、配偶及未成年子女，下同 )，貸款首付款比例不得低于 30%；對貸款購買第二套住房的家庭，貸款首付款比例不得低于50%，貸款利率不得低于基準(zhǔn)利率的 倍；對貸款購買第三套及以上住房的，貸款首付款比例和貸款利率應(yīng)大幅度提高，具體由商業(yè)銀行根據(jù)風(fēng)險(xiǎn)管理原則自主確定。稅務(wù)部門要嚴(yán)格按照稅法和有關(guān)政策規(guī)定，認(rèn)真做好土地增值稅的征收管理工作，對定價(jià) 過高、漲幅過快的房地產(chǎn)開發(fā)項(xiàng)目進(jìn)行重點(diǎn)清算和稽查。住房城鄉(xiāng)建設(shè)部門要加快對普通商品住房的規(guī)劃、開工建設(shè)和預(yù)銷售審批，盡快形成有效供應(yīng)。按照政府組織、社會參與的原則，加快發(fā)展公共租賃住房，地方各級人民政府要加大投入，中央以適當(dāng)方式給予資金支持。商業(yè)銀行要加強(qiáng)對房地產(chǎn)企業(yè)開發(fā) 貸款的貸前審查和貸后管理。 (10)完善房地產(chǎn)市場信息披露制度。 ． 3政策評述 縱觀 “ 新國十條 ” ，與年初的 “ 國 11條 ” 對比，部分內(nèi)容屬于重申強(qiáng)調(diào)， 6 也有部分內(nèi)容為新增或修改的條款，主要體現(xiàn)在需求的調(diào)控上，住房信貸政策收緊力度前所未 有；而增加供給和市場監(jiān)管的措施較之前基本一致。 3) speculation, speculative factors: real estate developers and speculators, market manipulation, malicious speculation result。 on the loan to buy the third set and over housing loan down payment and loan interest rates should be substantially increased, depending on the business banks to independently determine the risk management principles. People 39。 pared to reiterate some of the content are also part of the new or modified terms, mainly in the regulation of demand, the housing is unprecedented tightening of credit policy 。 Housing Ministry housing construction plan preparation and publication。 local governments can take temporary measures to limit the purchase copy number in a given period 。 the market ignored the policy control, showed house prices rising trend。