The newly issued mortgage rates in several cities have returned to the '3' level, and some cities have adjusted rates twice within a month. Industry insiders indicate that after considering costs such as funding, risk, operation, capital, and taxes, 3.2% is a break-even point for most banks; mortgage rates below 3.5% are unsustainable for commercial banks as it means 'losing money while making a noise' and lack commercial viability. (Zhongxin Jingwei)