公积金贷款利率没下调？5月8日前的存量贷款明年1月1日起执行

Core Viewpoint - The recent reduction in housing provident fund loan interest rates in China aims to alleviate financial burdens for homebuyers, with specific adjustments for new and existing loans set to take effect at different times [3]. Group 1: Interest Rate Adjustments - The People's Bank of China announced a 0.25 percentage point reduction in housing provident fund loan rates effective from May 8, with new rates for first-time homebuyers set at a minimum of 2.1% for loans under 5 years and 2.6% for loans over 5 years [3]. - For second-home loans, the new rates are set at a minimum of 2.525% for loans under 5 years and 3.075% for loans over 5 years [3]. Group 2: Implementation Timeline - New loans issued after May 8 will reflect the reduced interest rates, while existing loans will not be adjusted until January 1, 2026, in accordance with regulations [3][4]. - The adjustment for existing loans is automatic and does not require action from borrowers, with information available through local housing provident fund management centers and online platforms [3]. Group 3: Financial Impact - For a dual-income household taking a 1 million yuan loan for 30 years under the new rates, the monthly payment decreases by 132 yuan, resulting in a total interest savings of 48,000 yuan over the loan term [4].