快来算，省多少钱！个人住房公积金贷款利率明日下调！

Core Viewpoint - The People's Bank of China announced a reduction in personal housing provident fund loan rates by 0.25 percentage points, which is expected to save residents over 20 billion yuan in interest annually [2][4]. Group 1: Loan Rate Adjustments - The new loan rates effective from May 8, 2025, will be 2.1% for first-time homebuyers with loans of 5 years or less, and 2.6% for loans over 5 years [4]. - For second-time homebuyers, the rates will be no less than 2.525% for loans of 5 years or less, and 3.075% for loans over 5 years [4]. - The adjustment applies to both new and existing housing provident fund loans, with existing loans' rates set to decrease starting January 1, 2026 [4]. Group 2: Impact on Borrowers - For a first-time housing provident fund loan of 1 million yuan over 30 years, the monthly payment will decrease from 4,136 yuan to 4,003 yuan, resulting in a reduction of approximately 133 yuan [2][4]. - The total interest payment over the loan term will decrease by about 47,600 yuan due to the rate cut [2][4]. Group 3: Market Implications - The rate reduction is aimed at supporting the rigid housing demand of residents and is expected to help stabilize the real estate market [4]. - Prior to 2022, the housing provident fund loan rates were adjusted frequently, but only two adjustments have occurred since then, indicating a more stable rate environment [4].