Guangzhou adjusts and optimizes differentiated housing credit policies. 1. For households that purchased their first commercial home with a loan, the minimum down payment ratio for commercial personal housing loans was adjusted to not less than 15%, and the lower interest rate limit was abolished. 2. For households with loans to purchase a second commercial home, the minimum down payment ratio for commercial personal housing loans was adjusted to not less than 25%, and the lower interest rate limit was abolished. 3. In the unrestricted purchase area of Guangzhou, for households with 2 or more housing units that have settled the corresponding home purchase loans, banking financial institutions can carefully grasp and specifically determine the down payment ratio and loan interest rate level based on factors such as the borrower's solvency, credit status, etc.; for households with 2 or more housing units and unsettled home purchase loans, the issuance of commercial personal housing loans is suspended. 4. In the restricted purchase area of Guangzhou, the issuance of commercial personal housing loans to households with 2 or more housing units is suspended.
广州：首套房首付最低15%、取消利率下限
Guangzhou: Minimum 15% down payment for the first home, cancellation of the minimum interest rate
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