北上广深同步下调公积金贷款利率 多家银行迅速落实新政

Core Viewpoint - The recent adjustment of personal housing provident fund loan interest rates by several cities in China aims to stimulate the housing market and alleviate financial pressure on homebuyers, with rates reaching historical lows [1][4]. Summary by Sections Interest Rate Adjustment - Starting from May 8, 2025, the People's Bank of China has lowered the personal housing provident fund loan interest rates by 0.25 percentage points, with the new rates for first-time homebuyers being 2.6% for loans over five years and 2.1% for loans under five years [2][4]. - The second home loan rates have been adjusted to 3.075% for loans over five years and not lower than 2.525% for loans under five years [2][4]. Implementation by Banks - Major banks in cities like Beijing, Shanghai, Guangzhou, and Shenzhen have begun implementing the new interest rates as of May 8, 2025, for new loan applications [3][4]. - Existing loans will see their rates adjusted starting January 1, 2026, ensuring a uniform application of the new rates [3][4]. Market Impact - The interest rate reduction is expected to save residents over 20 billion yuan annually in interest payments, potentially boosting consumer spending and indirectly supporting real estate sales [5]. - The adjustment is seen as a measure to stabilize the housing market, with a focus on preventing significant price increases while addressing key issues such as housing supply and affordability [4][5].