Group 1 - From January 1, 2026, both existing commercial loan rates and housing provident fund loan rates will be reduced simultaneously [1][2] - For a typical family loan of 1.2 million yuan over 30 years, the interest savings for the first home will be approximately 57,100.85 yuan, while for the second home, it will be around 59,070.01 yuan [1] - For families with multiple children borrowing 1.56 million yuan over 30 years, the interest savings will be about 74,229.62 yuan for the first home and 76,789.24 yuan for the second home [1] Group 2 - In commercial loans, 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 [1] - For first-time homebuyers choosing a repricing date of January 1, if the loan rate is LPR-30BP, the new rate will be 3.2%; if LPR-45BP, the rate will drop to 3.05% [1] - Starting November 1, 2024, a new pricing mechanism for commercial personal housing loans will allow borrowers to request repricing every 3 months, 6 months, or 1 year [1] Group 3 - According to the People's Bank of China, from May 8, 2025, the personal housing provident fund loan rates will be reduced by 0.25 percentage points, with rates for first homes set at 2.1% for loans under 5 years and 2.6% for loans over 5 years [2] - For second homes, the rates will be 2.525% for loans under 5 years and 3.075% for loans over 5 years [2] - Existing provident fund loans issued before May 8, 2025, will adopt the new rates starting January 1, 2026 [2] Group 4 - The adjusted rates for the first and second homes for loans under 5 years will be 2.1% and 2.525%, respectively, while for loans over 5 years, they will be 2.6% and 3.075% [3] - For a first home loan of 500,000 yuan over 20 years, the monthly payment will decrease from 2,735.59 yuan to 2,673.94 yuan, saving 61.65 yuan per month [3] - For a second home loan of 500,000 yuan over 20 years, the monthly payment will drop from 2,855.04 yuan to 2,791.80 yuan, saving 63.24 yuan per month [3]
商业贷款、公积金贷款利率已同步下调！
Xin Hua Ri Bao·2026-01-05 03:23