There are reports of large banks tightening their mortgages for nanosatellite residences. Mr. Cao Deming, vice president of the mortgage referral, said that banks generally consider multiple factors when approving residential mortgages, including different types of properties, building ages, circulation levels, borrowers' occupational backgrounds, nationalities, and interest rates. Recently, interest rates have remained high, resulting in high funding costs for mortgage businesses. Based on cost, marginal profit, and risk management factors, some banks' mortgage strategies have shifted from 'seeking quantity' to 'seeking quality,' and they have become more cautious about property quality and risk assessment. The nanosatellite property market has a relatively small market share, and the impact is relatively minor. It is believed that banks will change their mortgage strategies in the future along with the implementation of interest rate cuts in the USA or decreases in funding costs.

In addition, Mr. Cao Deming said that banks will periodically change their mortgage business strategies based on market trends. For each bank, the appraisal and stance for different types of properties will be different. In order to successfully apply for a mortgage, it is recommended that buyers reserve more time to deal with mortgage matters, compare prices from multiple sources, and seek large and professional mortgage intermediaries to assist with matching.