Wú xiānsheng，yóuyú nǐmen shì shǒucì gòufáng，suǒyǐ shāngyè dàikuǎn lìlǜ kěyǐ yōuhuì dào 8.5 zhé，shǒufù zuìdī sān chéng.
Mr. Wu, you can have 15% off the commercial loan rate as this is the first time you are buying a house. The minimum down payment is only 30% of the total price.
Hǎo de. Gōngjījīn dàikuǎn ne？
Ok, and what about the Personal Housing Accumulation Fund Loan?