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Second and third tier cities, rhythm relatively clear direction. 'Zeng Gang China Academy of Social Sciences Research Office of Finance of the bank,' First Financial Daily 'told reporters. In addition, the notice also macro-prudential financial management has made a request. The notice said the central bank, the CBRC The agencies should strengthen according to local real estate situation change and government regulation requirements, the minimum down payment in a timely manner to urge the provincial market interest rate pricing mechanism of self-regulation within the jurisdiction of commercial individual housing loans; real estate loan asset quality, regional concentration, institutional soundness of monitoring, analysis and assessment proportion of self-adjustment. local personalized policy-intensive introduction notice also showed that local get the down payment ratio adjust the weights to some extent. notice that without the implementation of the 'restriction' of the city, households first purchase commercial individual housing loans to ordinary housing 'in principle, the minimum down payment ratio of 25%, floating down around 5 percentage points.' That is, the first suite down payment ratio at around 5 per cent adjustment initiative into the local financial institutions. 'before the down payment ratio is mandatory, no longer one size fits all, the proportion of floating down to the local authority, the supply and demand situation also reflects the real estate market in different regions were divided. 'China Development Bank Research Department Head of Strategy Office Yang Chi told reporters analysis, put under the initiative of the financial institutions, the future of people around the bank may make window guidance. At present, the real estate market differentiation has become increasingly evident, even in the more recognized stock high four-tier cities, there are different situations. in this context, it is easy to understand why the notice stressed the 'guidance, because of the ground facilities strategy' principle, require the central bank, the CBRC the agencies 'strengthening local Government communication ', to guide the market interest rate pricing provincial self-regulatory mechanisms in different cities with local reality, self-determined minimum down payment ratio within the jurisdiction of commercial individual housing loans. Previous close the central economic policy department, told reporters that the central regulation of the discharge gate after opening, the local government is still bigger stage from the current two sessions around hot keywords of view, there are differences and resilient to the inventory policy or intensive introduction, such as Henan