Interest rate adjustments for first home loans after the holiday season set off a small climax. As of January 31, out of 103 cities monitored by the Shell Research Institute, there were 30 cities with interest rates below 4.1% for the first set, and the statistics for January 16 were 19. Of these, there are 8 second-tier cities, and the rest are third- and fourth-tier cities. Specifically, there are two cities with interest rates of 4.0% for the first set, 4 cities with interest rates of 3.95%, 9 cities with interest rates of 3.9%, 11 cities for 3.8%, and four cities with interest rates of 3.7% for the first set. Currently, interest rates for commercial loans are the lowest in the country, namely Nanning, Zhuhai, Zhuzhou, and Changde.