目前的首套房贷政策应定向放宽,当下政策对于符合条件的首套房贷控制较为严格,优惠利率基本取消,而且贷款周期延长。2012年国际形势将延续2011下半年的动荡格局,还会出现比较大的波动。欧债危机其实被资本市场放大了,从各国债务水平和经济发展水平来看,欧洲整体水平比美国好得多,2012年上半年将迎来解决欧债危机的一个重要窗口,欧盟首脑 The current first set of mortgage policies should be targeted to relax the current policy for the first set of qualified mortgage control is more stringent, the prime interest rate basically canceled, and the loan cycle is extended. In 2012, the international situation will continue the turmoil pattern in the second half of 2011, with relatively large fluctuations. In fact, the debt crisis in Europe was magnified by the capital market. From the perspective of the debt level and economic development of all countries, the overall European level is much better than that of the United States. In the first half of 2012, the European debt crisis will usher in an important window for resolving the European debt crisis.