上海和天津再次加码 新一轮楼市调控潮或来袭

 　　Starting from last Tuesday first-time home buyers in Shanghai have to pay down payments of at least 35%, buyers of second houses have to make 50% down payments, while buyers of commercial properties pay 70%.

　　自上周二起，上海居民购买首套住房的首付比例为至少35%，第二套房的首付比例为50%，商业地产的首付比例为70%。

　　Meanwhile, banks have raised interest rates by 10% for home buyers borrowing from the government's Housing Provident¹ Fund for a second time, with the maximum sum lowered by 100,000 yuan.

　　对于第二次使用住房公积金贷款的购房者，银行将贷款利率上调10%，最高贷款额调低10万元。

　　上海和天津再次加码 新一轮楼市调控潮或来袭

　　Banks are also required to seriously check papers submitted by home buyers to guard against fabrication for speculative² purposes. Home buyers will not be able to borrow if their monthly mortgage payment exceeds 40 percent of their salaries.

　　此外，银行还被要求要认真检查置业者所提交的文件，以防止投机用途的产生。如果购房者每月的抵押贷款支付超过了工资的40%，那么他们将无法借到贷款。

　　Tianjin said last Monday that it'll implement³ diversified⁴ credit policies to cool a red-hot property market. For first-time home buyers the minimum down payment on a mortgage will be 30%, versus⁵ 20% earlier.

　　天津市则于上周一宣布，将实行差别化信贷政策给火热的房地产市场降温。首次购房者的首付比例从之前的20%上调至30%。

　　Those who already own a house and have unpaid⁶ mortgages must make at least a 40% down payment when applying for commercial loans for second home.

　　在已有一套住房并有未还清贷款的情况下，购买第二套房并申请商业贷款的首付比例为至少40%。

　　For non-local residents who plan to buy their first house in Tianjin's six major districts and Wuqing district, the minimum down payment on a mortgage will be 40%.

　　外地居民在天津六个主城区以及武清区购买首套住房的最低首付比例为40%。

1 provident   

adj.为将来做准备的，有先见之明的

参考例句：

• A provident father plans for his children's education.有远见的父亲为自己孩子的教育做长远打算。
• They are provident statesmen.他们是有远见的政治家。

2 speculative   

adj.思索性的，暝想性的，推理的

参考例句：

• Much of our information is speculative.我们的许多信息是带推测性的。
• The report is highly speculative and should be ignored.那个报道推测的成分很大，不应理会。

3 implement   

n.(pl.)工具，器具；vt.实行，实施，执行

参考例句：

• Don't undertake a project unless you can implement it.不要承担一项计划，除非你能完成这项计划。
• The best implement for digging a garden is a spade.在花园里挖土的最好工具是铁锹。

4 diversified   

adj.多样化的，多种经营的v.使多样化，多样化( diversify的过去式和过去分词 )；进入新的商业领域

参考例句：

• The college biology department has diversified by adding new courses in biotechnology. 该学院生物系通过增加生物技术方面的新课程而变得多样化。 来自《简明英汉词典》
• Take grain as the key link, develop a diversified economy and ensure an all-round development. 以粮为纲，多种经营，全面发展。 来自《现代汉英综合大词典》

5 versus   

prep.以…为对手，对；与…相比之下

参考例句：

• The big match tonight is England versus Spain.今晚的大赛是英格兰对西班牙。
• The most exciting game was Harvard versus Yale.最富紧张刺激的球赛是哈佛队对耶鲁队。

6 unpaid   

adj.未付款的，无报酬的

参考例句：

• Doctors work excessive unpaid overtime.医生过度加班却无报酬。
• He's doing a month's unpaid work experience with an engineering firm.他正在一家工程公司无偿工作一个月以获得工作经验。