论房地产金融政策对房价的抑制作用

房地产是一种具有消费和投资双重属性的特殊商品,其需求和供给都会受到金融政策变化的影响。如果提高利率必将减少房地产市场的需求,如果降低利率必将增加房地产市场的需求。另外,贷款的首付比例,汇率的变化,股市的变化等,都和房价的变化具有十分明显的互动效应。深入分析这些影响对于合理制定金融政策、控制房地产商品价格具有重要的意义。

On the Restraining Effect of Real Estate Finance Policy on House Price

Real estate is a kind of special merchandise with the dual properties of consumption and investment and both its supply and demand are influenced by monetary policy. The increase in interest rate is sure to reduce demand in the real estate market and the decrease in interest rate is sure to increase the demand in the real estate market. In addition, the first payment ratio of loans, the change in exchange rate and the change in the stock market all interact obviously with the change in house price. Analyzing these effects is of great significance to making reasonable monetary policy and controlling the price of real estate merchandise.