Pseudo-original: Since the establishment of the long-term dynamic adjustment mechanism for the individual housing loan interest rate policy for the first purchase of a new house, a number of cities have lowered the lower limit of the interest rate for the first house loan, which has played a positive role in promoting the release of housing demand. In the past two months, some cities have shown positive changes and marginal improvement in housing prices, which has sparked discussions about the possibility of a shift in the housing loan interest rate policy. Experts suggest that it generally takes a long time for a city's real estate market to go from "cold" to "hot", and there is no need to worry about policy changes happening too quickly. The new first-house loan interest rate policy dynamic adjustment mechanism has good stability, timeliness, and predictability, which can effectively guide the market expectations and support rigid housing demand. It is a policy mechanism that benefits both the present and the future.