sentences: in addition, the pboc will ensure the implementation of the city-specific housing credit policy to meet the rigid demand for housing and the needs to improve living conditions, follow the mechanism that allows dynamic adjustments to first-home mortgage rate policies, lower the ratio of down payment and the floor on second-home mortgage rates, urge the reduction of the interest rates on existing first-home mortgage loans, and increase financial support for public infrastructure development for both normal and emergency uses, urban village renovation and government-subsidized housing construction, thus facilitating the establishment of a new development model for the real estate sector and promoting the stable and healthy development of the real estate market.