2026年开始，您的公积金房贷利息要下调了

Core Viewpoint - The recent adjustment in public housing fund loan interest rates aims to alleviate the financial burden on borrowers, with the new rates set to take effect from next month for existing loans [1][2]. Group 1: Interest Rate Adjustments - As of May 8, the interest rate for first-time homebuyers' public housing fund loans over five years has been reduced from 2.85% to 2.6%, while the rate for second homes has decreased from 3.325% to 3.075% [1][2]. - The new rates for loans issued after May 8 are 2.1% for loans under five years and 2.6% for loans over five years for first-time buyers, and 2.525% and 3.075% for second homes, respectively [1][2]. - The adjustment marks the lowest historical record for public housing fund loan rates [3]. Group 2: Impact on Borrowers - Existing loans will see the new rates applied starting January 1 of the following year, reducing the interest burden for borrowers [1][2]. - Borrowers using the flexible repayment model can adjust their monthly payments based on their financial situation, allowing for lower payments during tough times or higher payments when financially stable [2]. - For a typical first-time home loan of 1 million with a 30-year term, the total interest paid will decrease from approximately 488,800 to 441,200, saving about 47,600 in interest due to the rate cut [2]. Group 3: Comparison with Commercial Loans - The public housing fund loan rates are now 0.45 percentage points lower than commercial loan rates for first-time homebuyers, but the advantage diminishes for second homes if commercial loans align with first-home rates [4][5]. - Current commercial loan rates for first-time homebuyers in Beijing are at 3.05%, while second-home rates vary between 3.25% and 3.45% depending on location [5].