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 has announced a reduction in the personal housing provident fund loan interest rates, effective from January 1, 2026, following a prior adjustment on May 8, 2025, which lowered rates by 0.25 percentage points [2][4]. Group 1: Interest Rate Adjustments - The new interest rates for first-time home buyers will be 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [4]. - For second-time home buyers, the rates will be adjusted to no less than 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [4]. - The adjustments will apply automatically to existing loans issued before May 8, 2025, starting January 1, 2026, without requiring any action from borrowers [8]. Group 2: Financial Impact - For a typical family loan of 1 million yuan over 30 years, the interest savings will amount to 47,600 yuan for first-time buyers and 49,200 yuan for second-time buyers due to the rate adjustments [5][7]. - The total repayment amount for first-time buyers will decrease from 1,441,200 yuan to 1,488,800 yuan, while for second-time buyers, it will decrease from 1,532,400 yuan to 1,581,600 yuan [6].