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Core Viewpoint - The recent policy changes in Shenzhen's housing market have led multiple banks to adjust their commercial personal housing loan interest rate pricing mechanisms, eliminating the distinction between first and second homes [1] Group 1: Policy Changes - On September 5, Shenzhen introduced new housing market policies, prompting banks to revise their loan interest rate mechanisms [1] - Major banks including Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Shanghai Pudong Development Bank, and Shanghai Bank have issued announcements regarding these adjustments [1] Group 2: Loan Interest Rate Mechanism - The new policy stipulates that the specific interest rate for each customer's commercial personal housing loan will be determined based on the Shenzhen market interest rate pricing self-discipline mechanism, along with the bank's operational status and customer risk profile [1] - The distinction between first and second home loans has been removed, allowing for a more uniform approach to interest rates [1] Group 3: Impact on Existing Loans - The new policy has triggered a dynamic adjustment mechanism for some existing mortgage customers, allowing certain second-home loan borrowers to apply for adjustments effective immediately upon approval [1] - Successful applications can be checked the following day, indicating a streamlined process for borrowers affected by the new regulations [1]