月供减少！存量公积金贷款利率下调

Core Viewpoint - The housing provident fund loan interest rates in multiple regions will be lowered starting January 1, 2026, which will reduce monthly payments for eligible borrowers [1][2]. Group 1: Interest Rate Adjustments - Since December 26, 2025, various housing provident fund management centers, including those in Zhengzhou, Jiaxing, Yan'an, and Hangzhou, have announced automatic adjustments to the loan interest rates for eligible borrowers [2]. - The interest rates for personal housing provident fund loans issued before May 8, 2025, will be uniformly adjusted to the new lower rates without requiring any action from borrowers [2][3]. - The new interest rates effective from May 8, 2025, are set at 2.1% for loans of 5 years or less and 2.6% for loans over 5 years for the first home, while the second home rates are 2.525% and 3.075% respectively [2]. Group 2: Financial Impact - For a loan of 850,000 yuan over 30 years, the interest savings for first-time homebuyers will be approximately 40,446.08 yuan, while for second-time buyers, the savings will be around 41,840.82 yuan due to the rate adjustments [3]. - The current difference between commercial loan rates and provident fund rates is minimal, with some commercial rates in Beijing dropping to around 3.20%, indicating a supportive stance towards the real estate market [3]. Group 3: Future Policy Directions - Since 2025, over 270 policy changes related to the housing provident fund have been implemented nationwide, including increasing loan limits and reducing down payment ratios [4]. - There is potential for further interest rate reductions, although not urgent, as the overall interest rate environment remains relatively low [4]. - The Central Economic Work Conference highlighted the need to stabilize the real estate market and promote the construction of quality housing, indicating that further reforms to the housing provident fund system may be forthcoming to support healthy development in the real estate sector [4].