According to the announcement of the central bank, the latest implementation time of the new mortgage policy is 2019101October 8. 10 The house purchased before June 8 is still subject to the existing interest rate. The central bank also specifically stipulates that commercial personal housing loans issued before 20 19 10/8 and commercial personal housing loans signed but not issued shall still be implemented according to the original contract. That is to say, before 20 19, 19 10/8, if you have bought a house or signed a loan contract, but the loan has not been issued, you will still follow the original contract. Therefore, it can be seen that those who have already purchased houses are not affected by the new loan policy and are still executed according to the original loan contract.