明起，“公积金+商贷”利率同步下调！

Core Viewpoint - Starting from January 1, 2026, the interest rates for existing housing provident fund loans and commercial loans will be lowered simultaneously, impacting borrowers significantly [1][3]. Group 1: Housing Provident Fund Loans - For new housing provident fund loans issued from May 8, 2025, the interest rates will be reduced by 0.25 percentage points, with first-time homebuyers seeing rates drop from 2.35% to 2.1% for loans of 5 years or less, and from 2.85% to 2.6% for loans over 5 years [1]. - For second homes, the rates will decrease from 2.775% to 2.525% for loans of 5 years or less, and from 3.325% to 3.075% for loans over 5 years [2]. - Existing loans issued before May 8, 2025, will have their rates adjusted starting January 1, 2026, without requiring borrower applications [3]. Group 2: Interest Savings - A typical family borrowing 1.2 million yuan over 30 years will save approximately 57,100.85 yuan in interest for a first home and 59,070.01 yuan for a second home after the rate adjustment [3]. - For families with multiple children borrowing 1.56 million yuan over 30 years, the interest savings will be around 74,229.62 yuan for a first home and 76,789.24 yuan for a second home [3]. Group 3: Commercial Loans - In May 2025, the Loan Prime Rate (LPR) was adjusted, with the 1-year LPR at 3.0% and the 5-year LPR at 3.5%, both down by 10 basis points from the previous period [3]. - For first-time homebuyers with loans linked to LPR, the new pricing mechanism will allow adjustments to the loan rates based on the LPR minus a certain basis point, with potential new rates of 3.2% or 3.05% depending on the original terms [4].