宁夏银川住房公积金贷款利率下调0.25个百分点

Core Viewpoint - The Ningxia Yinchuan Housing Provident Fund Management Center has announced a reduction in personal housing provident fund loan interest rates by 0.25 percentage points, effective from May 8 [1]. Group 1: Interest Rate Adjustments - The interest rate for first-time homebuyers on loans with a term of less than 5 years has decreased from 2.35% to 2.1%, and for loans over 5 years, it has decreased from 2.85% to 2.6% [1]. - For second homes, the interest rate for loans with a term of less than 5 years has decreased from 2.775% to 2.525%, and for loans over 5 years, it has decreased from 3.325% to 3.075% [1]. - Loans issued before May 8 will apply the new rates starting January 1, 2026, while loans applied for but not yet issued before May 8 will also use the new rates [1]. Group 2: Financial Impact on Borrowers - For a first-time home loan of 600,000 yuan over 30 years, using the equal principal and interest method, monthly payments will decrease by 79 yuan, resulting in a total interest reduction of approximately 28,600 yuan; using the equal principal method, monthly payments will decrease by 125 yuan, with a total interest reduction of about 22,300 yuan [2]. - For a second home loan of 600,000 yuan over 30 years, using the equal principal and interest method, monthly payments will decrease by 82 yuan, leading to a total interest reduction of nearly 29,600 yuan; using the equal principal method, monthly payments will decrease by 125 yuan, with a total interest reduction of about 22,300 yuan [2].