The people's Bank of China: on the basis of a unified lower limit of loan interest rates throughout the country, the dispatched offices of the people's Bank of China and the CBIC shall, in accordance with the principle of "implementing policies according to the city", guide the self-regulatory mechanism of interest rate pricing in provincial markets, according to the changes in the real estate market situation of the cities within their jurisdiction and the requirements of the city government regulation and control, independently determine the lower limit of the interest rate of commercial individual housing loans for the first and second houses in the cities under their jurisdiction.