Core Viewpoint - The People's Bank of China announced a reduction in the personal housing provident fund loan interest rates, effective from May 8, 2025, with a decrease of 0.25 percentage points [1] Group 1: Loan Rate Adjustments - The first home provident fund loan interest rate for loans under 5 years is reduced from 2.35% to 2.1%, and for loans over 5 years from 2.85% to 2.6% [2] - The second home provident fund loan interest rate for loans under 5 years is reduced from 2.775% to 2.525%, and for loans over 5 years from 3.325% to 3.075% [2] Group 2: Impact on Borrowers - For a first home loan of 1 million yuan over 30 years, the monthly payment decreases from 3680 yuan to 3528 yuan under flexible repayment, saving 152 yuan per month, and from 4135.57 yuan to 4003.40 yuan under equal principal and interest, saving 132.17 yuan per month [2] - The total interest for the first home loan decreases from 488807.34 yuan to 441222.35 yuan, saving 47584.99 yuan in interest [2] - For a second home loan of 600,000 yuan over 30 years, the monthly payment decreases from 2208 yuan to 2117 yuan under flexible repayment, saving 91 yuan per month, and from 2636.00 yuan to 2553.96 yuan under equal principal and interest, saving 82.04 yuan per month [3] - The total interest for the second home loan decreases from 348959.45 yuan to 319424.59 yuan, saving 29534.86 yuan in interest [3] Group 3: Loan Management - Borrowers can check their current loan interest rates through the "Beijing Provident Fund" WeChat official account [4]
北京公积金贷款利率今起下调，算算每月能省多少？
Xin Jing Bao·2025-05-08 09:30