Zheng Quan Ri Bao·2025-05-07 16:30Group 1 - The A-share market showed strong performance on May 7, with all three major indices rising due to favorable policy support, with the Shanghai Composite Index closing at 3342.67 points, up 0.80% [1] - The real estate sector saw significant gains, with 83 out of 107 stocks rising, indicating a broad-based rally in the sector [1] - The reduction in personal housing provident fund loan rates is expected to lower purchasing costs, enhance market activity, and improve sales expectations for real estate companies [1] Group 2 - For a first-time homebuyer taking a 1 million yuan, 30-year fixed-rate housing provident fund loan, the monthly payment decreased from 4136 yuan to 4003 yuan, resulting in a total interest reduction of nearly 50,000 yuan over 30 years [2] - The adjustment in provident fund loan rates is driven by the need to optimize housing policies and align with commercial bank lending rates [2] - Future developments in the real estate sector are expected to vary by city, with first-tier and hot second-tier cities likely to further optimize purchase and loan restrictions, while third and fourth-tier cities may increase land supply and purchase subsidies to balance market supply and demand [2]