Provident fund loan policies have been optimized in many places, with the down payment ratio for first home loans as low as 20%. News came from many places about optimizing provident fund Loan policies to meet residents' reasonable housing consumption needs and boost market confidence.

Shenyang City recently announced it will optimize the housing provident Fund withdrawal and relax the loan period for second-hand loans. The intensity and pace of Provident Fund Loan policy regulation in various regions mainly depend on the performance of the local real estate market and use of provident funds.