央行、银监会9月30日公布通知，对我国房贷政策做出调整。其中对拥有1套住房并已结清相应购房贷款的家庭，为改善居住条件再次申请贷款购买普通商品住房，执行首套房贷款政策。这一政策为楼市注入了一剂强心针，楼市有望出现“暖冬”。

请看《中国日报》的报道：

The easing of rules allows mortgages on second homes to be treated in the same way as a first mortgage, as long as the buyer has paid off the first loan. Other stimulus measures include the relaxation of terms in withdrawing housing provident funds to pay rent and bolstering the building of subsidized housing.

新政策允许二套房购房者在结清第一套住房贷款的条件下享受和首套房购房者同等的贷款政策。其他刺激措施还包括放松提取公积金支付房租的条件，促进保障性住房的建设。

二套房“认贷不认房”英文表达就是mortgages on second homes to be treated in the same way as a first mortgage, as long as the buyer has paid off the first loan。这一新政正在warming up the property market（促进楼市回暖）。

促使楼市回暖的利好因素包括shortening mortgage approval and disbursement periods（贷款审批和放款速度加快），more new projects launched by developers（开发商推出更多项目）以及continued relaxation of home purchase restrictions by local governments（地方政府不断放松限购），其中最有效的刺激政策就是中央的二套房贷新政。不过尽管政策利好，不少开发商依然面临着巨大的de-stocking pressure（去库存压力）。

（中国日报网英语点津 陈丹妮）