3. 首付貸

down payment loan

請看例句：

Given the jump in home prices in first-tier cities in recent months, the so-called "down payment loans" are in great demand. Property agencies and P2P platforms have become a driving force by offering loans for down payments, though some real estate agencies in Beijing and Shanghai were recently forced by regulators to stop the practice.
隨著最近幾個月來一線城市房價急劇升溫，首付貸也火了。房產中介和P2P平臺是提供首付貸的主力，但最近北京和上海的一些房產中介提供的首付貸服務正被監管者叫停。

面對高燒不退的房價，一些投機者(speculator)和剛需購房人群(home buyers of rigid demand)加快入場。部分房產中介(real estate brokerage)和互聯網金融平臺(e-finance platform)開始為資金短缺的購房者提供貸款以供他們支付首付(provide loans to their clients to cover down payments)。一些首付貸的利息高達13個點，還款期為3到12個月不等(have an interest rate of 13 percent with repayment terms that range from three to 12 months)。

專家稱，這種形式的貸款降低了購房者的資金門檻(make it easier for buyers to purchase property)，但同時也給國內房地產市場增加了額外了風險杠桿(add the risk of additional leverage to the domestic real estate market)，因此，金融監管機構必然會推出舉措(roll out rules)，打擊發放貸款作為房屋貸款首付的行為。9日，全國政協委員、央行副行長潘功勝在政協小組討論會上表示，央行將禁止不具備資質(without relevant licenses)的房產中介機構和開發商提供金融服務(run financing services)。

[相關詞匯]

抵押貸款 mortgage lending

最低首付 minimum down payment

首次購房者 first-time homebuyer

改善購房者 upgrader

供需不平衡 supply-demand imbalance

火上澆油 add fuel to the flame