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The average mortgage rate for first-time purchasers in 41 key cities in China increased by 4 basis points in February from the previous month, following a crackdown on illegal lending to the property market, the Economic Information Daily reported. Mortgage rates are likely to rise further and the real estate credit environment is likely to continue to tighten, the newspaper said citing Xu Xiaole, chief Market Analyst of Shell Research Institute. The use of housing for speculation remains relatively strong, the Daily reported citing Guo Shuqing, chairman of the Banking and Insurance Regulatory Commission.