这些政策包括提高购买二套住房的首付比例。
These included higher downpayments for buyers of second homes.
据马德琳称，这在一定程度上是因为合作住宅的业主委员会对个人财产提出了相当高的要求，而购买此类住宅的首付比例平均为35%。
That is partly because many co-op boards require sizable personal assets and an average down payment of 35%, says Mr. Miller.
摩根大通说，虽然首付比例越高意味着每月按揭还款额越少，但只要分母仍为家庭收入中值，住房负担能力的改善就具有一定的欺骗性。
'While lower LTVs means lower mortgage payments, the improvement in affordability is deceptive, says JPM, as long as' the denominator remains median income of households.
如果美国人都被强迫存钱来支付房子的首付时，那么就很容易达到这个水平，10%的比例不足为奇。
If Americans are forced to save for bigger down payments to buy a home, then surely their saving rates will approach those levels. A rate of 10% would not be surprising.
主要应对措施是采用利率工具和行政手段，包括提高二套房首付款的比例。
It is doing so through interest rate increases and through administrative measures, which include the raising of down payments on the purchase of second homes.
因此，应将股东首付的法定出资比例提高至40%至50%，并适当缩短缴清出资的期限。
Therefore, the proportion of initial capital contribution of the shareholders should be increased to 40%-50% and the payment term should be shortened.
香港金融管理局（Hong Kong Monetary Authority）去年底还告知本地银行业，要将豪华房地产的最低首付款比例从房价的30%上调到40%。
The Hong Kong Monetary Authority also told banks late last year to raise the standard down-payment ratio on luxury properties to 40% from 30%.
香港金融管理局（Hong Kong Monetary Authority）去年底还告知本地银行业，要将豪华房地产的最低首付款比例从房价的30%上调到40%。
The Hong Kong Monetary Authority also told banks late last year to raise the standard down-payment ratio on luxury properties to 40% from 30%.
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