From February 14, ICBC, CCB and ABC in Heze, Shandong Province can make a down payment of 20% for the buyers who have no housing and no personal housing loan record. Recently, the down payment ratio of the first suite has indeed been lowered from 30% to 20%, and the loan interest rates of the first suite and the second suite have been lowered from 5.95% and 6. 14% at the end of last year to 5.6% and 5.95% respectively.