在周三新政策出台以后，抵押贷款利率将会对第一次购房者下调0.27个百分点，也就是说五年期公积金贷款年利率为4.59%。

Under the new rules announced Wednesday, mortgage interest rates will be reduced by 0.27 percent for first-time buyers, to 4.59 percent for mortgages of five years or more.

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对政策性住房信贷业务、住房公积金和商业性的个人住房抵押贷款的现状、问题进行较为详细的分析。

It also analyzes in detail the current situation and problems in policy-related residential credit business, residential accumulation fund and the housing mortgage loans.

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长期以来，我国的住房金融主要是依靠商业银行个人住房抵押贷款、住房公积金贷款业务。

For a long time, the major sources of home finance are coming from home mortgage loans and housing mutual funds.

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