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.
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