存量住房公积金贷款利率 为何要等明年才调整？

Core Viewpoint - The adjustment of the personal housing provident fund loan interest rate, which was reduced by 0.25 percentage points on May 8, raises questions about why it will not be adjusted again until January 1 of the following year, unlike commercial loans that can be adjusted every three months [1] Group 1 - The difference in interest rate adjustment mechanisms between housing provident fund loans and commercial loans is attributed to their market positioning, pricing basis, and operational models [1] - Housing provident fund loans offer stronger policy protection and have significantly lower interest rates compared to commercial housing loans, providing a low-cost home purchasing option for buyers [1] - Frequent adjustments to the provident fund loan interest rates could undermine its protective and welfare functions, potentially causing unnecessary burdens for contributors [1]