北京：下调个人住房公积金贷款利率

Core Viewpoint - Beijing has announced a reduction in personal housing provident fund loan interest rates, effective from May 8, 2025, in response to the People's Bank of China's directive [1] Summary by Categories Interest Rate Changes - 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 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1] Existing Loans - Loans issued before May 8, 2025, with a term of one year or less will continue to follow the original interest rates after this date, without segmented interest calculation [1] - Loans with a term longer than one year will also maintain the original rates until January 1, 2026, when the adjusted rates will take effect [1]