多地落实公积金贷款新政 存量利率调整引关注

Core Points - The People's Bank of China announced a reduction of 0.25 percentage points in the personal housing provident fund loan interest rate starting from May 8, leading to widespread attention on how existing provident fund loan rates will be adjusted [1] - Various cities including Beijing, Shanghai, Shenzhen, and others have issued notifications to implement the new policy, with many clarifying the adjustment policies for existing housing loans [1][2] Summary by Category Interest Rate Adjustments - New loan rates for first-time personal housing provident fund loans effective from May 8 are set at 2.1% for loans of 5 years or less and 2.6% for loans over 5 years; for second-time loans, the rates are 2.525% and 3.075% respectively [1] - Existing loans issued before May 8 will maintain their original rates until January 1 of the following year, with a distinction made between loans of one year or less and those over one year [1][2] Implementation Across Regions - Many regions have aligned their policies to ensure that existing loans issued before May 8 will not see any adjustments until January 1 of the next year, regardless of the loan term [2]