新年央行“双红包”：月供少了，信用清了

Core Viewpoint - The central theme of the news is the implementation of significant monetary policies by the central bank on January 1, 2026, aimed at reducing the financial burden on households through lower mortgage rates and credit record repairs, thereby stimulating consumer demand and stabilizing the economy [1][2][3]. Group 1: Mortgage Rate Reduction - The central bank's policy to lower mortgage rates will benefit approximately 150 million households, with a specific example showing a reduction in monthly payments from 4,136 yuan to 4,003 yuan for a 1 million yuan, 30-year housing loan, resulting in a total interest savings of about 47,600 yuan [1][2]. - The reduction in mortgage rates is part of a broader strategy to address the economic pressures faced by households, including high housing costs and stagnant income growth, which have led to decreased consumer spending [2][4]. - This rate cut is the largest and most comprehensive adjustment in recent years, following a previous announcement in May 2025 that reduced the personal housing loan rate by 25 basis points [1][2]. Group 2: Credit Record Repair - A new credit repair policy effective from January 1, 2026, will automatically remove overdue records for individuals who have settled their debts, specifically targeting overdue amounts not exceeding 10,000 yuan from January 1, 2020, to December 31, 2025 [3]. - The credit repair initiative is designed to enhance access to financing for individuals who previously faced challenges due to minor overdue records, thereby promoting consumer spending in areas such as home improvement and education [4]. - Together with the mortgage rate reduction, the credit repair policy forms a comprehensive approach to stabilize consumer expectations and stimulate market activity, addressing both cost reduction and credit accessibility [3][4].