China's central bank announced tightened¹ housing mortgage rules last Friday to curb² speculative³ 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 applicants⁴ 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 investigation⁵ of the source of the down payment to ban leveraging⁶ 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 estate⁷ 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 decided⁸ last week to cool the city's property market by raising the down payment for second homes and suspending housing loans with a maturity⁹ 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 residential¹⁰ 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-hand¹¹ 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%。