Core Viewpoint - Starting from January 1, 2026, the interest rates for existing housing provident fund loans and commercial loans will be reduced simultaneously [1] Group 1: Housing Provident Fund Loans - The People's Bank of China announced a reduction of 0.25 percentage points in the interest rates for new housing provident fund loans effective from May 8, 2025 [1] - For first-time homebuyers, the interest rate for loans with a term of 5 years or less will decrease from 2.35% to 2.1%, and for loans over 5 years, it will drop from 2.85% to 2.6% [1] - For second-time homebuyers, the interest rate for loans with a term of 5 years or less will decrease from 2.775% to 2.525%, and for loans over 5 years, it will fall from 3.325% to 3.075% [1] Group 2: Commercial Loans - In May 2025, the Loan Prime Rate (LPR) was adjusted, with the 1-year LPR at 3.0% and the LPR for loans over 5 years at 3.5%, both down by 10 basis points from the previous period [2] - A new pricing mechanism for commercial personal housing loans will be implemented starting November 1, 2024, allowing borrowers to request adjustments to the repricing cycle to 3 months, 6 months, or 1 year [2]
今起，“公积金+商贷”利率同步下调！
Sou Hu Cai Jing·2026-01-01 13:49