海南省下调个人住房公积金贷款利率

Core Viewpoint - Hainan Province is reducing the personal housing provident fund loan interest rates by 0.25 percentage points effective from May 8, 2025, in response to the People's Bank of China's notification [1] Summary by Category Interest Rate Adjustments - The new interest rates for first-time personal housing provident fund loans will be 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [1] - For second-time personal housing provident fund loans, the rates will be adjusted to 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1] Implementation Timeline - The adjusted interest rates will apply to all personal housing provident fund loans issued on or after May 8, 2025, including those that have been accepted but not yet disbursed [1] - Loans that were issued before May 8, 2025, will transition to the new rates starting January 1, 2026 [1]