Group 1: Policy Changes - The People's Bank of China announced a reduction in personal housing provident fund loan rates by 0.25 percentage points, effective May 8, 2025, with first-home loan rates set at 2.1% for loans under 5 years and 2.6% for loans over 5 years [1] - The adjustment is part of a broader strategy to stabilize the housing market, signaling a clear policy direction to alleviate repayment pressure for homebuyers [1][3] Group 2: Financial Impact - The reduction in provident fund loan rates is expected to save residents over 20 billion yuan in annual interest payments, supporting the rigid housing demand of families [2] - The adjustment is anticipated to complement ongoing reductions in commercial loan rates, enhancing liquidity in the real estate market and easing the financial burden on low- and middle-income homebuyers [3] Group 3: Market Response - The real estate market is showing signs of recovery, with a significant increase in personal housing loans, marking the largest quarterly growth since 2022, and a 28% year-on-year increase in housing rental loans [4] - Core cities are experiencing stable land market activity, with high-quality projects entering the market, which is expected to further stimulate demand for improved housing options [6]
公积金贷款利率下调：精准施策稳楼市 刚需群体迎利好
Zheng Quan Ri Bao·2025-05-07 15:55