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China's top financial regulators yesterday ordered a cut to down payments for both first- and second-time homebuyers,
昨天，中国最高金融监管机构通知下调首套住房和二套住房的首付款比例，
while further cutting interest rates on existing mortgages.
同时进一步降低现有抵押贷款的利率。
According to a notice issued by the People's Bank of China and the National Administration of Financial Regulation
根据中国人民银行和国家金融监督管理总局发布的通知，
starting from September 25, borrowers will be able to negotiate a mortgage rate change with banks or a swap for a new loan plan.
从9月25日开始，借款人可以与银行协商抵押贷款利率的变更或置换新的贷款计划。
The new interest rates will be based on the central bank's current loan prime rate
新发放贷款的利率将以央行目前的贷款市场报价利率为基础，
and shall be no lower than the city's first-home mortgage rate policy where the original loan was issued.
且不得低于原贷款发放时所在城市的首套住房抵押贷款利率政策下限。
Xinhua reports citing analysts' estimate that the lowering of mortgage rates will benefit about 40 million borrowers.
新华社援引分析人士的评估称，降低抵押贷款利率将使约4000万借款人受益。
The policy adjustments also featured lower down payment requirements for home purchases.
政策调整还包括降低购房首付的要求。
The minimum down payment ratio for first-home buyers will be no less than 20 percent
首套住房最低首付款比例不低于20%，
and for second-time buyers no less than 30 percent, both a reduction of 10%.
二套住房最低首付款比例不低于30%，这两个数字均下调了10%。
