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China on Friday cut minimum down payment ratios for individuals commercial housing mortgages
周五，我国下调了个人商业住房贷款的最低首付比例，
and abolished mortgage floor rates nationwide as the country moves to boost the property market.
并在全国范围内取消了贷款利率下限，以提振房地产市场。
The People's Bank of China and the National Financial Regulatory Administration announced that
中国人民银行和国家金融监督管理局宣布，
the minimum down payment ratios for individuals' commercial housing mortgages will be lowered to 15% for first-home purchases, and 25% for second-home purchases.
首套个人商品住房贷款最低首付款比例降至15%，二套房最低首付款比例降至25%。
The PBOC said in a separate statement on its website that the floor level of commercial mortgage rates for first and second homes will be cancelled across the country.
中国人民银行在其官网上的另一份声明中表示，将在全国范围内取消首套房和二套房商业住房贷款利率下限。
It said that central bank branches can determine the lower limits of commercial mortgage rates in accordance with local conditions,
该声明称，各行可根据本地实际情况确定商业住房贷款利率下限。
and financial institutions should set a floor lending rates based on their business conditions and borrower risks.
而金融机构应根据自身经营状况和借款人风险，设定最低贷款利率。
