中國人(ren)民銀行、國家金融監督(du)管理總局聯(lian)合下(xia)(xia)發《關于(yu)(yu)調(diao)整優化(hua)差(cha)別化(hua)住(zhu)(zhu)房(fang)(fang)(fang)(fang)信貸(dai)政(zheng)策(ce)的(de)通知》，此次差(cha)別化(hua)住(zhu)(zhu)房(fang)(fang)(fang)(fang)信貸(dai)政(zheng)策(ce)調(diao)整優化(hua)的(de)重點包括：一(yi)是(shi)統一(yi)全國商業(ye)(ye)性個(ge)人(ren)住(zhu)(zhu)房(fang)(fang)(fang)(fang)貸(dai)款(kuan)最低(di)(di)(di)首(shou)付(fu)款(kuan)比(bi)(bi)例政(zheng)策(ce)下(xia)(xia)限(xian)(xian)(xian)。不再區分實(shi)施(shi)“限(xian)(xian)(xian)購(gou)”城(cheng)市(shi)和不實(shi)施(shi)“限(xian)(xian)(xian)購(gou)”城(cheng)市(shi)，首(shou)套(tao)住(zhu)(zhu)房(fang)(fang)(fang)(fang)和二(er)套(tao)住(zhu)(zhu)房(fang)(fang)(fang)(fang)商業(ye)(ye)性個(ge)人(ren)住(zhu)(zhu)房(fang)(fang)(fang)(fang)貸(dai)款(kuan)最低(di)(di)(di)首(shou)付(fu)款(kuan)比(bi)(bi)例政(zheng)策(ce)下(xia)(xia)限(xian)(xian)(xian)統一(yi)為不低(di)(di)(di)于(yu)(yu)20%和30%。二(er)是(shi)將二(er)套(tao)住(zhu)(zhu)房(fang)(fang)(fang)(fang)利率政(zheng)策(ce)下(xia)(xia)限(xian)(xian)(xian)調(diao)整為不低(di)(di)(di)于(yu)(yu)相(xiang)應(ying)期限(xian)(xian)(xian)貸(dai)款(kuan)市(shi)場報價(jia)利率(LPR)加20個(ge)基點。首(shou)套(tao)住(zhu)(zhu)房(fang)(fang)(fang)(fang)利率政(zheng)策(ce)下(xia)(xia)限(xian)(xian)(xian)仍(reng)為不低(di)(di)(di)于(yu)(yu)相(xiang)應(ying)期限(xian)(xian)(xian)LPR減(jian)20個(ge)基點。各地(di)可按照因城(cheng)施(shi)策(ce)原則，在(zai)不低(di)(di)(di)于(yu)(yu)上述全國統一(yi)的(de)住(zhu)(zhu)房(fang)(fang)(fang)(fang)信貸(dai)政(zheng)策(ce)基礎(chu)上，根據當地(di)房(fang)(fang)(fang)(fang)地(di)產市(shi)場形勢和調(diao)控(kong)需要，自主確定轄區內首(shou)套(tao)和二(er)套(tao)住(zhu)(zhu)房(fang)(fang)(fang)(fang)最低(di)(di)(di)首(shou)付(fu)款(kuan)比(bi)(bi)例和利率下(xia)(xia)限(xian)(xian)(xian)。（中國人(ren)民銀行網站(zhan)）