今起，“公积金+商贷”利率同步下调

Group 1 - The core point of the news is the adjustment of housing loan interest rates, which will be reduced for both public housing fund loans and commercial loans starting January 1, 2026 [1][2] Group 2 - For public housing fund loans, the interest rates for new loans issued from May 8, 2025, will decrease by 0.25 percentage points, with first-time homebuyers seeing rates drop to 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [1] - Second-time homebuyers will experience a reduction to 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1] - Existing public housing fund loans issued before May 8, 2025, will also see their rates adjusted starting January 1, 2026, without requiring borrower applications [1] Group 3 - In the commercial loan sector, the LPR was adjusted in May 2025, 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 [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]