上海：下调个人住房公积金贷款利率

Group 1 - The core point of the article is the reduction of personal housing provident fund loan interest rates in Shanghai, effective from May 8, 2025 [1] - The interest rate for first-time homebuyers on loans of 5 years or less is reduced to 2.1%, and for loans over 5 years, it is reduced to 2.6% [1] - For second-time homebuyers, the interest rates are reduced to 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1] Group 2 - The new rates will apply to personal housing provident fund loans issued on or after May 8, 2025 [1] - Loans issued before May 8, 2025, that are still outstanding will be subject to the new rates starting January 1, 2026 [1]