存量公积金贷款利率怎么调？北京回应并详解

Core Points - The People's Bank of China announced a reduction in personal housing provident fund loan rates by 0.25 percentage points starting May 8, raising concerns about how existing loan rates will be adjusted [1][3] - Multiple cities, including Beijing, Shanghai, Shenzhen, and others, have issued notifications to implement the new loan rate policy, with many clarifying the adjustment policies for existing housing loans [1][6] Summary by Sections Loan Rate Adjustments - As of May 8, 2025, the new loan 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 [3] - For existing loans issued before May 8, 2025, those with a term of one year or less will continue to execute the original rate, while loans over one year will switch to the new rate starting January 1, 2026 [3][4] Regional Implementation - Various regions, including Henan, have confirmed the implementation of the new loan rates, stating that existing loans will see a rate reduction starting January 1, 2026 [6][7] - The adjustment is expected to alleviate the interest burden on borrowers, effectively increasing disposable income and enhancing consumption capacity [6] Specific City Policies - In cities like Shanghai and Changsha, existing loans issued before May 8, 2025, will maintain the original rates until January 1, 2026, when the new rates will take effect [7] - Other cities, such as Zhengzhou and Ningbo, have also indicated that previously accepted but not yet disbursed loans will follow the new rates upon issuance [7]