存量住房公积金贷款利率为何要等明年才调整？与市场定位、定价依据及运作模式有关系

Core Viewpoint - The recent reduction of personal housing provident fund loan interest rates by 0.25 percentage points has sparked discussions among homebuyers regarding the adjustment of existing mortgage rates, highlighting differences in adjustment mechanisms between commercial loans and provident fund loans [1] Group 1: Interest Rate Adjustment - The personal housing provident fund loan interest rate has been lowered by 0.25 percentage points [1] - Homebuyers are questioning why the provident fund loan rates cannot be adjusted every three months like commercial loans, which can be adjusted quarterly [1] - The differences in the adjustment mechanisms are attributed to the market positioning, pricing basis, and operational models of the two types of loans [1]