北京网贷协会全面清理首付贷类业务

Major cities in China have begun to clamp down on loans for home purchase deposits to contain financing risks in a warming property market.

日前，我国主要城市开始取缔首付贷，以控制逐渐回暖的房地产市场的金融风险。

Beijing P2P Association asked its members, mostly online funding platforms, to stop issuing down-payment loans to home buyers and instead turn their attention to outstanding loans, according to an online document released on last Tuesday.

根据北京市网贷行业协会上周二发布的文件称，要求协会会员--主要是互联网融资平台，停止对购房者的首付贷业务，将注意力转向未偿贷款。

The association will begin a special examination on the practice, the document said.

该文件指出，协会将组织开展首付贷专项检查。

The statement follows similar moves in other cities, including the metropolises of Shanghai, Guangzhou and Shenzhen, after the central authorities put illegal home loans under scrutiny.

在中央将非法房贷纳入监管后，包括上海、广州和深圳等在内的一线城市已经采取了类似的整治举措。

China's property market has shown signs of warming as central and local governments relaxed restrictions to resolve a property glut, however, this had the converse effect of prompting an unexpected wave of buying, with many even borrowing for down payments.

随着中央和地方政府放宽限制以解决房地产过剩的情况，中国的房地产市场目前已经有回暖的迹象。不过，这也起到了反作用，引发了意想不到的抢购风潮，许多人甚至需要借钱来支付首付。

Despite stringent controls, down-payment "loans in disguise" were still available from some lenders as the property market remained in an upward streak.

尽管有严格的控制，但是由于房地产市场一直处于上升的趋势，所以一些贷款机构仍在提供首付贷业务。

Analysts advised the government to strengthen its monitoring and supervising efforts and stay alert of similar activities that make use of legal loopholes.

相关分析人士建议，政府应加强监督监测工作，并对利用法律漏洞进行类似活动保持警觉。