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 Provident 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 speculative 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 implement diversified credit policies to cool a red-hot property market. For first-time home buyers the minimum down payment on a mortgage will be 30%, versus 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 unpaid 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%。