Recently, it was learned from Shenyang Municipal Bureau of Real Estate that for the purpose of satisfying residents' rigid housing demand and their demand for housing units to improve their current living conditions, in light of the actual real estate market in Shenyang, the minimum down payment ratio for second homes is now adjusted from 50% to 40%, the details of which shall be determined by banking institutions through equal consultation with customers in accordance with the market-oriented and law-based principles.