According to incomplete statistics from the China Index Research Institute, since 2026, more than 20 regions across the country have introduced or optimized policies related to interest rate discounts on housing loans. Interest rates in proportion to the loan amount, interest rates in proportion to repayment interest rates, and the use of provident funds to discount commercial loans have become the three most common types. The agency believes that interest rates have become an important policy tool to support housing consumption in a refined manner and reduce the cost of buying a home, and it is expected that more cities will follow suit.

According to incomplete statistics from the China Index Research Institute, since 2026, more than 20 regions across the country have introduced or optimized policies related to interest rate discounts on housing loans. Interest rates in proportion to the loan amount, interest rates in proportion to repayment interest rates, and the use of provident funds to discount commercial loans have become the three most common types. The agency believes that interest rates have become an important policy tool to support housing consumption in a refined manner and reduce the cost of buying a home, and it is expected that more cities will follow suit.