Ge Long Hui·2025-09-13 01:46Core Viewpoint - Shenzhen has implemented new housing market policies, leading to significant changes in mortgage lending practices by multiple banks in the region [1] Group 1: Policy Changes - On September 5, Shenzhen introduced new housing market regulations, which prompted banks to revise their lending guidelines [1] - As of September 12, 12 banks, including Industrial Bank, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Shanghai Pudong Development Bank, and Shanghai Bank, announced new policies [1] Group 2: Mortgage Adjustments - The new policies eliminate the distinction between first and second home purchases for mortgage lending [1] - Several banks indicated that existing second-home commercial mortgage loans are now subject to a normalization adjustment mechanism for interest rates, allowing customers to apply for adjustments immediately [1]