公积金贷款利率5月8日起下调 100万元房贷总利息支出将减少约4.76万元

Group 1 - The People's Bank of China will lower the personal housing provident fund loan interest rate by 0.25 percentage points starting from May 8, 2025, with the first home rate for loans over five years decreasing from 2.85% to 2.6% [1] - The adjustment applies to both new and existing loans, with existing loan rates set to be adjusted on January 1, 2026 [1] - For a loan of 1 million yuan over a 30-year term, the monthly payment will decrease by approximately 133 yuan, resulting in a total interest savings of about 47,600 yuan [1] Group 2 - The purpose of this adjustment is to lower the threshold for home purchases, stimulate residential housing consumption, and support the healthy development of the real estate market [1]