At present, the buildings in Guangzhou are basically double contracts, and a few buildings are single contracts, but there are still tens of thousands of renovation funds. As for whether the renovation funds can be loaned, most buildings cannot be loaned, which will greatly increase the down payment pressure and monthly supply pressure of buyers. Some developers will negotiate with banks to formulate some loan methods for renovation funds, some of which can be paid in installments for five years. If there is enough water, some loans can be borrowed for 30 years. It is up to the buyers to choose the appropriate loan method according to their down payment and monthly budget, because the situation of each building is different, so that they can quickly understand the market situation.