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China's central bank announced tightened housing mortgage rules last Friday to curb speculative purchases in Beijing's property market and control credit risk.
上周五，中国人民银行宣布了房贷收紧措施，以遏制北京市房地产的投资性购房，控制信贷风险。
Targeting fake divorces, Beijing housing mortgage applicants who divorced less than one year ago will be regarded as second-home buyers and have to pay a higher down payment, according to a statement released by the People's Bank of China.
据中国人民银行发布的一份声明称，针对假离婚现象，离婚一年以内的房贷申请人，贷款按揭均按二套房政策执行，需要付更高比例的首付。
There will be stricter investigation of the source of the down payment to ban leveraging financial products, and commercial banks should refuse to offer loans to applicants who violate the rules, the statement added.
对于首付款资金来源要有更严格的审核，严禁各类“加杠杆”金融产品，对于违反规则的申请人，商业银行应当拒绝提供贷款。
Commercial banks should earnestly investigate the applicants' housing loan records to determine whether they are first-home buyers or not and evaluate their ability to pay back the loans.
商业银行应当认真调查申请人的住房贷款记录，以确认他们是否是首次购房者，并评估他们的还贷能力。
Real estate agents should not offer illegal housing financing tools such as down payment loans, and commercial banks should stop cooperating with those who violate the above rules, the statement added.
该声明补充表示，房地产中介机构不得提供如首付贷等非法购房融资工具，商业银行也应当停止与那些违反规则的机构合作。
Beijing decided last week to cool the city's property market by raising the down payment for second homes and suspending housing loans with a maturity of 25 years or more.
上周，北京就决定提升二套房首付比例，暂停发放贷款期限25年及以上的个人住房贷款，以冷却过热的房产市场。
New residential home prices in Beijing fell 0.1 percent month on month but rose 24.1 percent year on year in February, while prices for second-hand homes rose 1.3 percent compared with January and 32.2 percent compared with those in 2016, official data showed.
官方数据显示，2月份的新住宅房价与1月相比下降0.1%，但比去年同期上涨24.1%。二手房价格与1月相比增长了1.3%，但比去年同期上涨了32.2%。
