深圳楼市，新消息！

Core Viewpoint - Shenzhen has introduced new housing market policies that optimize and adjust personal housing credit policies, allowing banks to no longer differentiate between first and second home loans in their interest rate pricing mechanisms [1] Group 1: Policy Changes - The new policy allows banks to set commercial personal housing loan interest rates based on the Shenzhen market interest rate pricing self-discipline mechanism, without distinguishing between first and second homes [1] - Multiple banks, including China Construction Bank's Shenzhen branch, have announced that they will implement this policy immediately, adjusting interest rates accordingly [1] Group 2: Impact on Existing Loans - The new policy has triggered dynamic adjustment mechanisms for some existing mortgage clients, allowing those with interest rates exceeding the average new loan rates by 30 basis points to apply for adjustments [2] - According to research, the new interest rates for second home loans in Shenzhen have decreased by 40 basis points, potentially reducing total repayment costs by nearly 80,000 yuan and monthly payments by approximately 220 yuan for a 1 million yuan loan over 30 years [2] Group 3: Market Response - Following the implementation of the new policy, the second-hand housing market in Shenzhen has shown a significant increase in activity, with a 45% rise in transaction volume within six days post-policy compared to the previous six days [3] - The Luohu district has experienced a remarkable 109% increase in second-hand housing transactions, attributed to its mature infrastructure and competitive pricing compared to other districts [3]