1. According to Sina Finance Network, individual housing loans actively support the implementation of differentiated housing credit policies and support rigid and improved housing demand.

2. Support local governments to implement differentiated housing credit policies on the basis of national policies, and reasonably determine the down payment ratio of local individual housing loans and the lower limit of loan interest rate policies.

3. Encourage financial institutions to reasonably determine the specific down payment ratio and interest rate level of individual housing loans according to their own operating conditions, customer risk status and credit status.