部分地区存量公积金贷款利率下调？记者实测

Core Viewpoint - The People's Bank of China has announced a reduction in the housing provident fund loan interest rates, effective from May 8, 2025, with specific rates for different loan terms and types [2]. Group 1: Interest Rate Adjustments - The interest rate for housing provident fund loans over 5 years has been reduced from 2.85% to 2.60% [2]. - For loans under 5 years, the interest rate is set to decrease to 2.1% for first-time homebuyers and 2.525% for second-time homebuyers [2]. - The new rates will apply to loans issued after May 8, 2025, while existing loans will adjust to the new rates starting January 1, 2026 [2][3]. Group 2: Implementation and Regional Variations - The adjustment of existing provident fund loan rates will depend on the original loan contract terms and the latest national policies [3]. - Some regions, like Shanghai, may implement immediate rate reductions for early repayments, while others, like Beijing, will adhere to the national policy and wait for the scheduled adjustment [3]. - The execution of these policies may vary based on the local availability of provident fund resources, with more lenient policies in areas with sufficient funds [3].