1月1日起，你的房贷月供降了！速查能省多少

Core Viewpoint - The article discusses the upcoming reduction in housing loan interest rates, which will provide financial relief to borrowers starting January 1, 2026, through adjustments in both public housing fund loans and certain commercial loans [1][3]. Group 1: Public Housing Fund Loan Rate Reduction - Starting January 1, 2026, the interest rate for existing public housing fund loans will be lowered, with the new rates set at 2.1% for loans under 5 years and 2.6% for loans over 5 years for first-time buyers [3][4]. - For a 1 million yuan, 30-year public housing fund loan, the monthly payment will decrease from approximately 4,136 yuan to about 4,003 yuan, resulting in annual savings of around 1,600 yuan [4][5]. - The overall interest savings for the same loan will amount to approximately 47,584 yuan over the loan term [5]. Group 2: Commercial Loan Rate Repricing - Certain existing commercial loan rates will also be repriced in the new year, with the 5-year Loan Prime Rate (LPR) having been reduced by 10 basis points to 3.5% in May 2025 [7][8]. - In Shenzhen, for instance, a borrower with a 1 million yuan loan at a previous rate of 3.15% will see their monthly payment drop from about 4,297 yuan to approximately 4,243 yuan, saving around 54 yuan per month [8][9]. - The total interest savings for this commercial loan will be about 19,580 yuan over the loan period [9]. Group 3: Future Expectations and Recommendations - Experts suggest that there is still room for further reductions in public housing fund rates, but immediate changes are not anticipated as current rates are already low [6]. - The central economic work conference has prioritized public housing fund reform for 2026, indicating that more supportive measures for housing consumption may be forthcoming [6]. - For borrowers, it is recommended to verify eligibility for the new rates and to monitor changes in repayment plans closely, while potential homebuyers should consider prioritizing lower-rate public housing loans [10].