?????? 面對高燒不退的樓市，中央政府使出猛藥“退燒”。國務院4月17日出臺《關于堅決遏制部分城市房價過快上漲的通知》后，多家股份制銀行已于昨日（4月21日）出臺房貸（mortgage loans）新政實施細則，并正式開始執行。目前來看，對于第二套房貸，銀行普遍按五成首付（down payment）和利率（interest rate）上浮10%的標準執行；對于三套以上的房貸，則從嚴對待，表示原則上不發放貸款（to issue loans）。業內人士表示，銀行停辦第三套房貸，將沉重打擊投資性購房（investment-based home purchases）需求。

?????? 請看中國日報及新華社的報道：

The focus on developers' sales tactics follows curbs on loans for third-home purchases, increased down payment requirements and higher mortgage rates announced in the past week.

…

On April 17, the State Council required banks to stop loans to third-home purchases and suspend lending to buyers who can't provide tax returns or proof of social security contributions in the related city for at least one year.

Local governments can limit the number of units that can be bought, while senior officials will be held responsible for failing to stabilize property prices, the statement said.

—— Excerpt from Gov't to punish property price manipulation

Commercial banks can refuse to issue loans to buyers of their third home in areas suffering from excess property price rise, said the State Council, or the Cabinet, on Saturday.

To curb speculation, banks can also halt loans to those who can't provide materials to prove they had lived and paid taxes and social insurances for at least one year in cities where they intended to buy houses, according to a statement on the central government's website.

—— Excerpt from Banks may halt lending to third-home buyers

（來源：中國網學英語頻道）