Since the beginning of this year, various regions have implemented policies tailored to the city, and have successively introduced relevant real estate adjustment and optimization policies. According to monitoring data from Zhongzhi Research Institute, nearly 90 provinces, cities, and counties in China issued over 100 policies in the first quarter, including canceling or relaxing purchase restrictions, optimizing provident fund loan policies, and periodically canceling the lower limit of loan interest rates. A reporter from Economic Reference Daily found during a visit that the effects of real estate adjustment and optimization policies are gradually becoming apparent. "With the same loan amount and loan term, my monthly payment is now more than 200 yuan less than before, which is equivalent to saving a property fee!" Mr. Chen, an ordinary salaried worker in Yangjiang City, Guangdong Province, told reporters that his monthly income is about 6000 yuan, and the monthly payment for this loan application is about 2260 yuan. After the lower limit of the first home loan interest rate was cancelled in Yangjiang, the Yangjiang Branch of China Construction Bank implemented a 40 basis point LPR reduction policy for the first home loan interest rate, which made Mr. Chen, who has been watching, decisively choose his desired house. Ms. Zhang from Jiangmen City, Guangdong Province recently applied for a first home mortgage loan with a loan amount of 800000 yuan, a term of 30 years, and equal principal and interest repayment at the Industrial and Commercial Bank of China Jiangmen Branch. "After learning about the adjustment of the mortgage policy, I came to apply for a loan and prepared to buy a house. The staff helped calculate the interest and found that I could save more than 60000 yuan in expenses," she said. Including Jiangmen and Yangjiang, according to incomplete statistics, 15 eligible cities in Guangdong Province have cancelled the lower limit of interest rates for first home loans, and at least 30 cities nationwide have phased out the lower limit of interest rates for commercial personal housing loans for first homes. The head of the relevant department of Industrial and Commercial Bank of China Jiangmen Branch told reporters that since the adjustment of interest rate policies, the number of customers who come to consult and handle housing mortgage loans has been increasing. "In the current market situation where rigid and improved housing demand dominates in various cities, taking into account the needs of residents' income, employment, and stable expectations, canceling the lower limit of the first home mortgage interest rate can not only reduce the monthly mortgage loan supply, support rigid demand, but also drive the 'sell one buy one' improvement demand." said Li Yujia, Chief Researcher of the Guangdong Provincial Housing Policy Research Center. In addition to the phased cancellation of the lower limit of loan interest rates, the "old for new" policy for housing in Zhengzhou, Henan and Hai'an, Jiangsu has also gradually been implemented. "Our houses in the old urban area have a history of over a decade and are quite old without elevators, so we hope to change to a new house to improve living conditions. After learning about the 'trade in old for new' activity, we immediately participated and chose a 143 square meter large apartment," Lin Chunyang, a resident of Hai'an, Jiangsu Province, told reporters. It is understood that the "old for new" purchase policy for commercial housing in Haian has been implemented first in Jiangsu Province, benefiting the first batch of 15 property owners. The new housing source comes from 9 real estate projects in Haian City. This year, the plan is to implement a "old for new" 100 units. Since the Spring Festival, with the implementation of policies such as relaxing purchase restrictions in first tier cities and optimizing housing provident fund loans in multiple regions, the transaction volume of new and second-hand houses in some areas has shown a rebound trend. According to the monitoring of key 14 cities by Zhuge Data Research Center, 102755 second-hand residential properties were sold, a month on month increase of 125.2%. Among them, 14280 second-hand housing units were signed online in Beijing, a month on month increase of 141.05%