2005年3月16日,中国人民银行发布了上调个人房贷利率的通告,将原来的商业银行自营性个人住房信贷优惠利率5.31%调整至6.12%。同时,经央行批准,部分房地产价格上涨过快的城市和地区的“个人住房贷款最低首付款比例”将由现行的20%提高到30%。同年3月底,上海银行同业公会曾公布旨在加强个人住房贷款利率管理的 March 16, 2005, the People’s Bank of China issued a circular to raise personal mortgage interest rates, the original commercial bank self-employed personal housing credit concessionary rate of 5.31% adjusted to 6.12%. At the same time, with the approval of the central bank, the “minimum down payment ratio of personal home loans” in some cities and areas where real estate prices have risen rapidly will increase from the current 20% to 30%. The same year by the end of March, the Shanghai Bank Association has announced aiming to strengthen the personal housing loan interest rate management