Can multi-child families have a preferential loan interest rate for the purchase of improved housing? Shanghai headquarters of the Central Bank responded on June 3. Recently, some citizens have proposed that most families will face the problem of insufficient housing space after giving birth, and that buying improved housing is a step that many multi-child families will consider. If childbearing is encouraged, it is recommended that under the conditions of multi-child and certain housing improvement, a certain interest rate discount should be given on the loan, such as the first suite interest rate. Otherwise, for second-and third-child families, in today's market conditions, the pressure of housing replacement is very great. In response, the Shanghai headquarters of the people's Bank of China responded, according to the notice on further doing a good job in personal Housing loan Policy (Shanghai Yinfa [2016] No. 54), and on promoting the steady, healthy and orderly development of the real estate market in this city. Notice to further improve the differential housing credit policy (Shanghai Housing Construction Management Union (2016) No. 1062) Families in Shanghai who meet one of the following circumstances apply for commercial personal housing loans and purchase ordinary self-housing, the proportion of down payment shall not be less than 50%. For those who buy non-ordinary self-housing, the proportion of the down payment shall not be less than 70%. 1. Those who have no housing in this city but have records of commercial housing loans or provident fund housing loans; 2. Who already owns a house in this city. The relevant departments of the municipal government will coordinate and study the real estate regulation and control policies for special groups and special areas in accordance with the principles of implementing policies based on city and one city, and the people's Bank of China will cooperate with the implementation of differential housing credit policies in accordance with the relevant requirements of the municipal government. (thepaper.cn)