★多地落实公积金贷款新政 存量利率调整引关注

Core Viewpoint - The People's Bank of China announced a reduction in the personal housing provident fund loan interest rate by 0.25 percentage points starting from May 8, leading to widespread adjustments in existing loan rates across various cities [1] Group 1: Interest Rate Adjustments - New loan rates for first-time homebuyers in Beijing are set at 2.1% for loans of 5 years or less and 2.6% for loans over 5 years, while second-home loans are at 2.525% and 3.075% respectively [1] - Existing loans issued before May 8 will maintain their original interest rates until January 1 of the following year, with a distinction made for loans with terms of one year or less versus those over one year [1][2] Group 2: Implementation Across Cities - Multiple cities including Beijing, Shanghai, Shenzhen, Guangzhou, and others have issued notifications to implement the new policy regarding the adjustment of provident fund loan rates [1] - Most cities have aligned their policies to ensure that existing loans issued before May 8 will not see any adjustments until January 1 of the next year, similar to Beijing's approach [2]