According to reports, nearly a month since the first home loan interest rate dynamic adjustment mechanism was established, Zhengzhou, Taiyuan, Tianjin, Xiamen, Fuzhou, Changchun, Shenyang and other places have announced adjustments to the lower interest rate limit for the first home loan. At present, interest rates for first home loans in many places have dropped below 4%, entering the “3” stage. Industry insiders believe that it is expected that more eligible cities will lower interest rates on first home loans in the future. At the same time, demand side policy adjustments such as down payment ratios and two sets of certifications are also expected to increase.