上海：优化调整商业性个人住房贷款利率定价机制

Core Viewpoint - Shanghai's housing authority has announced adjustments to the city's real estate policies, specifically optimizing the pricing mechanism for commercial personal housing loans to alleviate the interest burden on residents [1] Summary by Relevant Sections - Policy Changes - The new notice specifies the optimization of personal housing credit policies, allowing banks to set interest rates without differentiating between first and second homes [1] - Interest Rate Mechanism - Financial institutions will determine the specific interest rates for commercial personal housing loans based on the Shanghai market interest rate pricing self-discipline mechanism, as well as their operational conditions and customer risk profiles [1]