现在政策尤其是房贷,一般只针对首次置业需求,对改善需求优惠目前还非常敏感。中央没有表态说要对改善需求进行优惠,地方的话也不敢轻举妄动。如果经济持续低迷,包括楼市,我认为迫于经济压力,追于调控效果可能对改善需求会有局部的放松,包括信贷税收方面,地方政府可能会有一些放松的举措。 Now policies, especially mortgages, are generally targeted at first time home buyers only and are currently very sensitive to improving demand. The Central Government has not stated that it wants to make favorable concessions to improving its demand. Local authorities are afraid to act rashly. If the economy continues to be in a downturn, including the property market, I think under economic pressure, the effect of regulation and control may be to partially relax the demand for improvement. There may be some relaxation measures for local governments, including credit lending.