First, qualified commercial banks can consider allocating part of their credit lines for the current quarter in advance for personal housing loan business. This not only fulfills social responsibilities, but is also a good way to develop potential high-quality customers. Second, banks can consider appropriately adjusting the internal assessment mechanism, and when risks are controllable, provide certain rewards to those who actively carry out personal housing mortgage loan business, and encourage grassroots credit personnel to develop high-quality customer resources and develop comprehensive credit businesses. Third, relevant parties, including banks, must strengthen the publicity of the national real estate regulation policy to avoid wasted efforts. Fourth, the credit limit status should be announced in a timely manner for the reference of home buyers.