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 terms of interest rate pricing [1][2] - The new policy is expected to reduce the interest burden on some second home loans, potentially stimulating market activity [1][2] Group 1: Policy Changes - The new policy allows banks to set commercial personal housing loan interest rates based on market conditions without distinguishing between first and second homes [1] - Several banks have announced that existing mortgage clients can apply for adjustments if their current loan rates exceed the average new loan rates by more than 30 basis points [2] Group 2: Market Impact - Following the implementation of the new policy, the second-hand housing market in Shenzhen has seen a significant increase in transaction volume, with a 45% rise in signed contracts within six days post-policy [3] - The Luo Hu district experienced a remarkable 109% increase in transaction volume, attributed to its mature infrastructure and competitive pricing compared to other districts [3]