上海，房贷重磅！

Core Viewpoint - The implementation details of the new housing policy in Shanghai, announced on August 25, have been released by various banks, focusing on the adjustment of commercial personal housing loan interest rates. Group 1: Policy Implementation - Major banks in Shanghai, including ICBC, Bank of China, Agricultural Bank of China, and others, have issued announcements regarding the optimization of the pricing mechanism for commercial personal housing loans [1][2]. - The new policy eliminates the distinction between first and second home loan interest rates, with rates determined based on the Shanghai market interest rate pricing self-discipline mechanism and individual bank conditions [2]. Group 2: Interest Rate Adjustments - Eligible existing housing loan interest rates can also be adjusted, allowing for a normalization of rates for certain second home loans [2]. - The adjustment rule states that if the existing loan interest rate plus a margin exceeds the average margin of newly issued loans by more than 30 basis points, borrowers can apply for an adjustment [2]. - The weighted average interest rate for newly issued commercial personal housing loans in the second quarter of 2025 is reported to be 3.09% [2]. Group 3: Borrower Actions - Starting from September 1, borrowers can check their eligibility for interest rate reductions through the mobile banking channels of the relevant banks [3].