商贷、公积金利率已同步下调！快看你月供降了多少→

Core Viewpoint - Starting from January 1, 2026, both commercial and public housing loan interest rates have decreased, leading to lower monthly repayments for borrowers, with some reporting reductions of nearly 100 yuan in their monthly payments [1][2][7]. Group 1: Commercial Loan Adjustments - The one-year Loan Prime Rate (LPR) is now 3.0%, and the five-year LPR is 3.5%, both down by 10 basis points from the previous adjustment in May 2025 [2][12]. - As of November 1, 2024, a new pricing mechanism for commercial personal housing loans allows borrowers to adjust their repricing cycle to 3 months, 6 months, or 1 year, enabling some customers to benefit from the latest rates sooner [3][13]. Group 2: Public Housing Loan Adjustments - The People's Bank of China announced a reduction in public housing loan rates by 0.25 percentage points effective May 8, 2025, with new rates set at 2.1% for loans of 5 years or less and 2.6% for loans over 5 years for first-time buyers [4][14]. - For second-time buyers, the rates are adjusted to 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [4][14]. - Monthly payments for a first-time public housing loan of 500,000 yuan over 20 years will decrease from 2,735.59 yuan to 2,673.94 yuan, a reduction of 61.65 yuan [5][16]. For a second-time loan, the payment drops from 2,855.04 yuan to 2,791.80 yuan, saving 63.24 yuan monthly [5][16].