According to the author's investigation, although the down payment of major banks in Xuzhou is still 30%, some banks have raised the down payment to the fourth floor, such as China Bank, Agricultural Bank and Bank of Communications (the down payment ratio is different according to different properties). Most loan interest rates were raised to 1. 1 times of the benchmark interest rate, and China Bank still implemented the benchmark interest rate of 7.05%.

Reportedly, Xuzhou's mortgage quota has eased slightly. A staff member of China Construction Bank revealed that the current loan amount is not as tight as before, and it is relatively stable for the time being.

Since the beginning of the year, due to the tight credit line, ICBC has stopped handling mortgage business. At present, ICBC still suspends its mortgage business, and it is not known when it will start. According to the author's investigation, China Agricultural Bank and Jiangsu Bank only handle loan business for cooperative real estate. The cooperative properties of ABC are Greenland, Huaxia, Rong Sheng and Southeast County; Jiangsu Bank's cooperation projects include Ji Cheng International Garden City, Jiuli Jingxiu and Guo Xin Shangcheng.

In the case that the first home loan quota has eased, the second home loan has not changed, and many banks still stop accepting second home loans. Banks that accept mortgages, such as Agricultural Bank and Shanghai Pudong Development Bank, have also raised mortgage interest rates. At present, the down payment ratio of the second home in Xuzhou must not be less than 60%, and the loan interest rate of some banks must not be lower than 1. 1 times of the benchmark interest rate. The loan interest rates of the second home in Agricultural Bank and Shanghai Pudong Development Bank have risen to 1.2 times of the benchmark interest rate.