in p>224, the commercial loan policy in Tianjin is to reduce the down payment ratio, and all districts in the city will implement the first down payment of 2% and the second down payment of 3%. Extension of loan life: the loan life of all districts in the city has been adjusted from the maximum of 25 years to 3 years. This is a policy of "benefit without cost". The greatest significance is to reduce the monthly repayment amount. Buying a house now is a "monthly supply logic", and I am afraid that I can't afford it. If the loan period becomes longer, it is equivalent to less monthly supply, which is also a kind of "disguised interest rate cut".

Lower mortgage interest rate: the first set of interest rate LPR-4 basis points; Two sets of interest rates LPR+2 basis points. (According to the latest LPR quotation in December 223, the first set of interest rates is 3.8%, and the second set of interest rates is 4.4%.) In the whole year of 223, LPR was only lowered once by 1 basis points.

Relaxation of "admitting houses but not loans": Tianjin quickly responded to the central bank's policy of admitting houses and not admitting loans. When residents' families (including borrowers, spouses and minor children) apply for loans to buy commercial housing in areas where housing is restricted or not, if family members do not have complete sets of housing under the name of the corresponding area, banking financial institutions will implement the housing credit policy according to the first set of housing regardless of whether they have used loans to buy housing.