重定价日+政策执行，明起“公积金+商贷”利率将同步下调！

Core Insights - The adjustment of existing commercial and provident fund loan interest rates is set to take effect from January 1, 2026, reflecting a broader trend of decreasing borrowing costs in the housing market [1][2] Group 1: Commercial Loan Adjustments - The one-year Loan Prime Rate (LPR) is currently at 3.0%, and the five-year LPR is at 3.5%, both down by 10 basis points from the previous period [1] - For first-time homebuyers with a loan rate set at LPR-30 basis points, the new rate will be 3.2%, while those with LPR-45 basis points will see their rate drop to 3.05% [1] - State-owned banks previously announced that existing loan customers could adjust their repricing cycle to 3, 6, or 12 months, allowing some borrowers to already benefit from the latest rates [1] Group 2: Provident Fund Loan Adjustments - Starting from May 8, 2025, the interest rates for personal housing provident fund loans will be reduced by 0.25 percentage points, with rates for first-time buyers set at 2.1% for loans under five years and 2.6% for loans over five years [2] - For second-time buyers, the rates will be 2.525% for loans under five years and 3.075% for loans over five years [2] - Monthly payments for a first-time housing provident fund loan of 500,000 yuan over 20 years will decrease from 2,735.59 yuan to 2,673.94 yuan, a reduction of 61.65 yuan [2]