The Construction Bank announced on its official website yesterday the measures to implement the new central government's property mortgage policy. Judging from the content, like other banks, apart from granting specific preferential treatment of adjusting the lower limit of interest rate for new commercial individual housing loans that conform to the policy to 0.7 times of loan benchmark interest rate and adjusting the minimum down payment ratio to 20%, the Construction Bank still leaves the right of operation in such issues as whether it is the first time to buy a house or not, self-occupied housing or non-self-occupied housing, ordinary housing or non-ordinary housing, improvement-type ordinary self-occupied housing or not to local branches and housing mortgage centers.