According to the notice, in order to adhere to the positioning that houses are used for living, not for speculation, fully implement the long-term real estate mechanism, support local governments to improve real estate policies according to local conditions, support rigid and improved housing demand, and promote the stable and healthy development of the real estate market, the relevant matters of differentiated housing credit policies are hereby notified as follows:
1. For households who purchase ordinary self-occupied housing by loans, the lower limit of the interest rate of the first set of commercial personal housing loans is adjusted to not less than the quoted interest rate in the loan market for the same period minus 20 basis points, and the lower limit of the interest rate policy of the second set of commercial personal housing loans is implemented according to the existing regulations.
Second, on the basis of unifying the lower limit of the loan interest rate nationwide, the People's Bank of China and the agencies dispatched by the China Banking Regulatory Commission guide the self-discipline mechanism of interest rate pricing in provincial markets in accordance with the principle of "making policies according to the city", and independently determine the lower limit of the interest rate of the first and second sets of commercial personal housing loans in cities within their jurisdiction according to the changes in the real estate market situation of each city and the regulatory requirements of the city government.