1月1日起，惠州存量公积金贷款自动降息啦！

Core Viewpoint - The Huizhou Housing Provident Fund Management Center announced that existing housing provident fund loans issued before May 8, 2025, will automatically adjust to new interest rates starting January 1, 2026, reducing monthly payments and long-term interest burdens due to a 0.25 percentage point decrease in rates as per the People's Bank of China [1] Group 1: Interest Rate Adjustments - The new interest rates for housing provident fund loans effective from January 1, 2026, will be 2.35% for loans up to 5 years and 2.85% for loans over 5 years for second homes, while first home loans will be 2.775% and 3.325% respectively [2] - The adjustment will apply automatically without the need for employees to apply or submit materials [2] Group 2: Financial Impact - For a family with two children taking a first home loan of 720,000 yuan over 30 years, the monthly payment will decrease from 2,978 yuan to 2,882 yuan, saving approximately 95 yuan per month and reducing total interest by about 34,260 yuan [3] - The total interest for the adjusted loan will be 317,681 yuan compared to 351,941 yuan before the adjustment [3]