At present, there is a new round of adjustment in the real estate policies of various localities. In addition to further reducing the down payment ratio of the first house, the down payment ratio of the second house is also reduced. On August 16, the reporter of Securities Daily learned from interviews with many banks, real estate agencies and other institutions that after the adjustment of the housing loan policy, the number of consumers purchasing houses in many places has increased. Mingming, chief economist of CITIC Securities, told reporters that the relaxation of the housing purchase policy can substantially reduce the burden of residents and support rigid and improved housing demand; At the same time, it will help to restore the expectation and confidence of home buyers, encourage residents to increase leverage, and promote the stabilization of real estate sales. Further policy support is needed in the future. Many places have adjusted the proportion of down payment for house purchase recently, including Chengde, Huizhou, Zhanjiang, Shanwei, Suzhou and other regions have adjusted the proportion of down payment for house purchase. For example, the minimum down payment ratio of commercial personal housing loans granted by banking institutions in Zhanjiang District of Guangdong Province to resident families for the first time to purchase ordinary housing was reduced from 25% to 20%. At the same time, some regions have adjusted the proportion of down payment for second homes. For example, since August 15, the minimum down payment ratio of the second ordinary self occupied housing purchased in the administrative region of Jinan City has been adjusted from 60% to 40%. In addition, according to the statistics of China Index, as of the beginning of August, nearly 240 provinces and cities have issued more than 650 policies this year, relaxing the real estate control policies in terms of reducing the down payment ratio, increasing talent attraction, granting housing subsidies, and increasing the amount of provident fund loans. According to its incomplete statistics, from July 1 to August 14, a total of 142 real estate regulatory policies were issued in many places, including 31 policies related to the down payment of commercial loans. Zhang Bo, President of the branch of anjuke Real Estate Research Institute, told the Securities Daily that the meeting of the Political Bureau of the CPC Central Committee clearly pointed out that "the real estate market should be stabilized" and mentioned that the policy toolbox should be "fully used". Therefore, the policies of various places have been continuously followed up recently, especially in cities and regions where the market is weak, and the strength and coverage of policies have also increased. From the perspective of policy toolbox, there is certain policy space in different cities for the adjustment of down payment, the adjustment of mortgage interest rate and the optimization of purchase restriction to improve demand, and it is expected that it will be further released in the future. Chen Wenjing, director of Market Research of the index business department of China Index Research Institute, told the Securities Daily that in the short term, the implementation of policies by various cities is expected to increase. In the future, it is expected that more cities will follow up and optimize the real estate policy, optimize the mortgage subscription, reduce the down payment ratio or other important directions. On August 16, the reporter contacted a number of housing agencies, sales offices and banking institutions in the above-mentioned areas to understand the reaction and dynamics of all parties after the policy was introduced. "After the introduction of the new policy of reducing the minimum down payment ratio of first-time house purchase in Huizhou to 20%, many peers have received inquiries from customers with purchase needs." A business person of a real estate brokerage company in Huizhou, Guangdong, told the reporter that at present, the loan interest rate of the first house in this area is generally 4.25%, and that of some banks is 4.65%. The situation of each bank is different. "After the adjustment of the down payment ratio policy, many people did come to consult.". The broker of a real estate agency in Zhanjiang, Guangdong Province, told the reporter that the down payment ratio of the first house has dropped to 20%, and that of the second house