3. 首付貸

down payment loan

請看例句：

Given the jump in home prices in first-tier cities in recent months, the so-called "down payment loans" are in great demand. Property agencies and P2P platforms have become a driving force by offering loans for down payments, though some real estate agencies in Beijing and Shanghai were recently forced by regulators to stop the practice.
隨著最近幾個月來一線城市房價急劇升溫，首付貸也火了。房產(chǎn)中介和P2P平臺是提供首付貸的主力，但最近北京和上海的一些房產(chǎn)中介提供的首付貸服務(wù)正被監(jiān)管者叫停。

面對高燒不退的房價，一些投機(jī)者(speculator)和剛需購房人群(home buyers of rigid demand)加快入場。部分房產(chǎn)中介(real estate brokerage)和互聯(lián)網(wǎng)金融平臺(e-finance platform)開始為資金短缺的購房者提供貸款以供他們支付首付(provide loans to their clients to cover down payments)。一些首付貸的利息高達(dá)13個點(diǎn)，還款期為3到12個月不等(have an interest rate of 13 percent with repayment terms that range from three to 12 months)。

專家稱，這種形式的貸款降低了購房者的資金門檻(make it easier for buyers to purchase property)，但同時也給國內(nèi)房地產(chǎn)市場增加了額外了風(fēng)險杠桿(add the risk of additional leverage to the domestic real estate market)，因此，金融監(jiān)管機(jī)構(gòu)必然會推出舉措(roll out rules)，打擊發(fā)放貸款作為房屋貸款首付的行為。9日，全國政協(xié)委員、央行副行長潘功勝在政協(xié)小組討論會上表示，央行將禁止不具備資質(zhì)(without relevant licenses)的房產(chǎn)中介機(jī)構(gòu)和開發(fā)商提供金融服務(wù)(run financing services)。

[相關(guān)詞匯]

抵押貸款 mortgage lending

最低首付 minimum down payment

首次購房者 first-time homebuyer

改善購房者 upgrader

供需不平衡 supply-demand imbalance

火上澆油 add fuel to the flame