大利好！房贷利率，降了！

Core Viewpoint - The People's Bank of China has announced a reduction in the housing provident fund loan interest rates, effective January 1, 2026, which is expected to save residents over 20 billion yuan annually in interest payments, supporting housing demand and stabilizing the real estate market [1][2]. Group 1: Interest Rate Adjustments - From January 1, 2026, the interest rate for existing housing provident fund loans will be reduced by 25 basis points [1]. - The new interest rates for first-time homebuyers will be 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [1]. - For second-time homebuyers, the rates will be no less than 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1]. Group 2: Financial Impact on Borrowers - A typical family borrowing 1.2 million yuan for 30 years will save approximately 57,100.85 yuan in interest for a first home and 59,070.01 yuan for a second home due to the rate adjustment [1]. - A family with multiple children borrowing 1.56 million yuan will save about 74,229.62 yuan for a first home and 76,789.24 yuan for a second home [1]. Group 3: Automatic Adjustments and Policy Changes - Borrowers with existing loans will have their rates automatically adjusted to the new rates without needing to take any action [6]. - Various cities have issued notifications confirming that eligible borrowers will see automatic adjustments to their provident fund loan rates starting January 1, 2026 [2][6]. Group 4: Market Context and Future Outlook - The reduction in rates is seen as a response to decreased enthusiasm for home purchases, which has led to an increase in the provident fund pool, allowing for lower rates and improved efficiency [6][7]. - The gap between commercial loan rates and provident fund loan rates has narrowed, with the current difference being 40 basis points, which may enhance the utilization of provident fund loans [7]. - The central economic work conference has emphasized the need to deepen reforms in the housing provident fund system, indicating potential for further policy adjustments to support homebuyers [7].