Legal analysis: On the basis of the national unified credit policy, according to the changes of the real estate market situation in our city and the self-discipline mechanism of market interest rate pricing, the lower limit of individual housing loan interest rate in our city is reasonably determined. According to the relevant provisions of the People's Bank of China, we hereby put forward the following requirements on the differentiated housing credit policy agreed by the self-discipline mechanism of Shenzhen market interest rate pricing:

(1) If the purchaser's family name has no housing in this city and there is no record of commercial housing loan or provident fund housing loan, the policy of minimum down payment ratio of 30% will continue to be implemented;

(2) If there is no housing in this city under the name of the purchaser's family but there is a record of commercial housing loan or provident fund housing loan, the down payment ratio for purchasing ordinary housing shall be no less than 50%, and the down payment ratio for purchasing non-ordinary housing shall be no less than 60%;

(3) If the purchaser owns 1 apartment in this city under the family name, the down payment ratio for purchasing ordinary housing loans shall be no less than 70%, and the down payment ratio for purchasing non-ordinary housing loans shall be no less than 80%.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 5 Commercial banks should follow the principles of equality, voluntariness, fairness, honesty and credibility in their business dealings with customers.

Article 6 Commercial banks should protect the legitimate rights and interests of depositors, and no unit or individual may infringe upon them.

Article 7 Commercial banks should strictly examine the credit standing of borrowers when conducting credit business, so as to ensure the timely recovery of loans.

Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.

Article 8 Commercial banks shall abide by the relevant provisions of laws and administrative regulations when conducting business, and shall not harm the interests of the state and society.

Article 9 Commercial banks shall follow the principle of fair competition in their business and shall not engage in unfair competition.

Article 10 A commercial bank shall be subject to the supervision and management of the banking supervision institution of the State Council according to law, but if the law stipulates that its related business shall be supervised and managed by other supervision and management departments or institutions, such provisions shall prevail.