公积金贷款利率创新低 首套最低2.1%

Core Points - The People's Bank of China announced a reduction in personal housing provident fund loan interest rates by 0.25 percentage points, effective from May 8, 2025 [2][3] - The new interest rates for first-time homebuyers are set at 2.1% for loans of 5 years or less and 2.6% for loans over 5 years, while second-home loans will be at no less than 2.525% and 3.075% respectively [2][3] Group 1: Loan Limits and Conditions - The maximum personal loan limit for first-time homebuyers is 840,000 yuan, with a minimum balance requirement of 52,500 yuan [1] - For families with two or more children, the maximum loan limit increases to 900,000 yuan, with a minimum balance of 56,300 yuan [1] - The maximum loan limit for families purchasing guaranteed housing is 720,000 yuan, with a minimum balance of 45,000 yuan [1] Group 2: Impact of Interest Rate Changes - The recent interest rate cut is expected to lower the mortgage costs for homebuyers, with a monthly payment reduction of approximately 132 yuan for a 1 million yuan loan over 30 years [3] - The total repayment amount (principal + interest) for a 1 million yuan loan will decrease from 1.4888 million yuan to 1.4412 million yuan, saving borrowers about 47,600 yuan [3] Group 3: Historical Context - The current interest rate for first-time homebuyers is the lowest on record, with the highest rate previously recorded at 5.22% in 2007 [3] - The last adjustment before this was in May 2024, where the rate was reduced by 0.25 percentage points to 2.85% for loans over 5 years [3]