房贷利率又迎下调
Ren Min Ri Bao Hai Wai Ban·2026-01-07 23:00

Core Viewpoint - The recent adjustments in housing loan interest rates, particularly the reduction in both housing provident fund and commercial loan rates, are expected to alleviate the financial burden on homebuyers and stimulate demand in the real estate market [5][7][11]. Group 1: Housing Loan Rate Adjustments - Starting January 1, 2026, the interest rate for existing housing provident fund loans will be reduced by 25 basis points, benefiting homebuyers by lowering their interest expenses [4][5]. - The new rates for housing provident fund loans include a reduction from 2.35% to 2.1% for first-time homebuyers with loans under 5 years, and from 2.85% to 2.6% for loans over 5 years [5][6]. - For second homes, the rates will decrease from 2.775% to 2.525% for loans under 5 years, and from 3.325% to 3.075% for loans over 5 years [5][6]. Group 2: Financial Impact on Homebuyers - A calculation example shows that for a first-time homebuyer with a 500,000 yuan loan over 20 years, the monthly payment will decrease from 2,735.59 yuan to 2,673.94 yuan, saving 61.65 yuan per month [6]. - For a second home, the monthly payment will drop from 2,855.04 yuan to 2,791.80 yuan, resulting in a monthly saving of 63.24 yuan [6]. Group 3: Market Implications - The reduction in loan rates is anticipated to enhance the willingness of new buyers to enter the market, potentially balancing supply and demand in the real estate sector [7][11]. - The adjustments are seen as a way to maintain the attractiveness of housing provident fund loans, especially as commercial loan rates approach similar levels [9][11]. Group 4: Policy and Future Outlook - The Ministry of Housing and Urban-Rural Development has emphasized the need for stable real estate market policies, including optimizing the housing provident fund system to support homebuyers [11][12]. - There is a growing focus on expanding the coverage and usability of the housing provident fund, including support for flexible employment individuals and enhancing the convenience of fund access [12].