昆明住房公积金宣布：利率下调！

Core Viewpoint - The Kunming Housing Provident Fund Management Center announced that starting from January 1, 2026, the interest rates for existing housing provident fund loans issued before May 8, 2025, will be automatically reduced without requiring any action from borrowers [1][3]. Group 1: Interest Rate Adjustment - The new interest rate for housing provident fund loans will be reduced by 0.25 percentage points starting from May 8, 2025 [5]. - The adjusted interest rates for first-time homebuyers and second-home buyers are as follows: - For loans of 1-5 years (including 5 years): - First home: from 2.35% to 2.1% - Second home: from 2.775% to 2.525% - For loans over 5 years: - First home: from 2.85% to 2.6% - Second home: from 3.325% to 3.075% [6]. Group 2: Financial Impact - An example illustrates that for a family borrowing 1 million yuan for a first home over 30 years with equal principal and interest repayments, the monthly payment will decrease from 4,135.57 yuan to 4,003.40 yuan, saving approximately 132.17 yuan per month [9]. - The total interest expenditure will drop from about 488,800 yuan to approximately 441,200 yuan, resulting in a total savings of around 47,600 yuan over the loan term [9]. Group 3: Inquiry and Information Access - Borrowers can check their loan interest rates conveniently through the "Kunming Provident Fund" WeChat mini-program [11].