月供要降！存量公积金贷款利率，即将下调

Core Viewpoint - The People's Bank of China announced a reduction in the personal housing provident fund loan interest rates, effective from January 1, 2026, following a 0.25 percentage point decrease starting May 8, 2025 [1][3]. Group 1: Interest Rate Adjustments - The interest rates for first-time homebuyers will be adjusted to 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [3][4]. - For second-time homebuyers, the rates will be set at no less than 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [3][4]. Group 2: Financial Impact - A typical family borrowing 1 million yuan over 30 years will save approximately 47,600 yuan in interest for a first home and 49,200 yuan for a second home due to the rate adjustments [4][5]. - The total repayment amount for a first home will decrease from 1,441,200 yuan to 1,488,800 yuan, while the total interest payment will drop from 441,200 yuan to 488,800 yuan [5][6]. Group 3: Implementation and Notifications - Various housing provident fund management centers have issued notifications regarding the automatic adjustment of interest rates for existing loans starting January 1, 2026, without requiring any action from borrowers [7]. - The notifications confirm that the new lower interest rates will apply to all outstanding loans issued before May 8, 2025, ensuring a seamless transition for borrowers [7].