一线城市房价的暴涨与狂欢让之前公众并不在意的“首付贷”清晰地浮出了水面,这一可以轻松划破央行购房个贷底线的金融创新工具不仅引来了管理层十分警觉的目光,更招徕了北京“两会”上不少委员的口喷与讨伐。从扮演高房价的幕后推手,到加倍放大杠杆风险,“首付贷”俨然成为众矢之的。传统购房方式中除了全额付款以外,信贷付款(按揭贷款)是一种最为普遍 First-tier cities soaring prices and carnival so that the public did not care before the “down payment loan” clearly surfaced, which can easily cut the bottom line of central bank purchase credit financial innovation tools not only led to the management is very vigilant Of the eye, but also attract more Beijing’s “two sessions ” on the mouth of many members and crusade. From playing the driving force of high prices, to double the risk of amplification, “down payment loan ” has become the target of public criticism. In addition to the full payment of the traditional method of purchase, credit payment (mortgage loans) is one of the most common