央行再为房贷减负！来算算公积金、商贷都能省下多少钱

Group 1 - The People's Bank of China announced a reduction in personal housing provident fund loan rates by 0.25 percentage points, a reserve requirement ratio cut of 0.5 percentage points, and a policy interest rate reduction of 0.1 percentage points, providing approximately 1 trillion yuan in long-term liquidity to the market [1] - After the adjustment, the interest rate for first-time homebuyers on loans with a term of over 5 years will decrease from 2.85% to 2.6%, with corresponding adjustments for other terms [1] - For a loan principal of 1 million yuan over 30 years, the monthly payment will decrease from 4,136 yuan to 4,003 yuan, resulting in a total repayment reduction of 50,000 yuan [1] Group 2 - The majority of personal commercial housing loan rates are based on the Loan Prime Rate (LPR), which is expected to decrease by approximately 0.1 percentage points following the policy interest rate cut [2] - The weighted average interest rate for newly issued commercial personal housing loans in the first quarter of 2025 was 3.11%, which could potentially drop to 3.01% due to the LPR adjustment [2] - For a 1 million yuan loan over 30 years, the total repayment amount will decrease from 1.54 million yuan to 1.52 million yuan, with a monthly payment reduction from 4,276 yuan to 4,221 yuan [2]