公积金贷款利率下调 这里有最新政策解读

Core Viewpoint - Zhengzhou Housing Provident Fund Management Center has announced a reduction in personal housing provident fund loan interest rates by 0.25 percentage points effective from May 8, in response to the People's Bank of China's notification Group 1: Interest Rate Adjustment - The new interest rates do not require individual applications; the system will automatically adjust the loan interest rates according to the notification [2] - The specific new interest rates are set at 2.1% for loans with a term of 5 years or less and 2.6% for loans over 5 years for the first home; for the second home, the rates are not lower than 2.525% and 3.075% respectively [2] Group 2: Implementation Timeline - The new loan interest rates will be confirmed based on whether the loan has already been disbursed; loans disbursed before May 8, 2025, will not be adjusted until January 1, 2026, while loans disbursed on or after May 8, 2025, will follow the new rates [3] Group 3: Combination Loan Rates - For combination loans, the interest rates for commercial loans and provident fund loans are determined separately; starting from May 8, the interest rate for a first home with a term over 5 years will be 2.6% for the provident fund loan [4] Group 4: Cost Savings from Rate Reduction - The reduction in provident fund loan interest rates can significantly lower housing loan costs; for a first home with a loan principal of 1 million yuan over 30 years, the monthly payment decreases from approximately 4136 yuan to about 4003 yuan, saving around 133 yuan per month and reducing the total repayment amount by about 50,000 yuan [5]