面对高烧不退的楼市，中央政府使出猛药“退烧”。国务院4月17日出台《关于坚决遏制部分城市房价过快上涨的通知》后，多家股份制银行已于昨日（4月21日）出台房贷（mortgage loans）新政实施细则，并正式开始执行。目前来看，对于第二套房贷，银行普遍按五成首付（down payment）和利率（interest rate）上浮10%的标准执行；对于三套以上的房贷，则从严对待，表示原则上不发放贷款（to issue loans）。业内人士表示，银行停办第三套房贷，将沉重打击投资性购房（investment-based home purchases）需求。

       请看中国日报及新华社的报道：

The focus on developers' sales tactics follows curbs on loans for third-home purchases, increased down payment requirements and higher mortgage rates announced in the past week.

…

On April 17, the State Council required banks to stop loans to third-home purchases and suspend lending to buyers who can't provide tax returns or proof of social security contributions in the related city for at least one year.

Local governments can limit the number of units that can be bought, while senior officials will be held responsible for failing to stabilize property prices, the statement said.

—— Excerpt from Gov't to punish property price manipulation

Commercial banks can refuse to issue loans to buyers of their third home in areas suffering from excess property price rise, said the State Council, or the Cabinet, on Saturday.

To curb speculation, banks can also halt loans to those who can't provide materials to prove they had lived and paid taxes and social insurances for at least one year in cities where they intended to buy houses, according to a statement on the central government's website.

—— Excerpt from Banks may halt lending to third-home buyers

（来源：中国网学英语频道）