深圳楼市，新消息

Core Insights - 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][2] 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][2] Group 2: Impact on Existing Loans - The new policy has triggered dynamic adjustment mechanisms for some existing mortgage clients, allowing them to apply for adjustments if their current loan rates exceed the average new loan rates by more than 30 basis points [2] - According to research, the new policy is expected to lower the new interest rates for second home loans by 40 basis points, which could reduce 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 transaction volume, attributed to its mature infrastructure, affordable prices, and the removal of core purchase restrictions, which has opened the market to previously ineligible buyers [3]