惠及西宁4.5万户家庭

Core Viewpoint - The Xining Housing Provident Fund Management Center will implement a policy to lower the interest rates on existing personal housing provident fund loans starting January 1, 2026, benefiting 45,646 loan households in Xining [1] Group 1: Interest Rate Adjustments - The interest rate for first-time homebuyers with loans of 5 years or less will be reduced to 2.1%, and for loans over 5 years, it will be reduced to 2.6% [2] - For second homes, the interest rate for loans of 5 years or less will be set at 2.525%, and for loans over 5 years, it will be set at 3.075% [2] - The reduction for first-time homebuyers' loans over 5 years is 0.25 percentage points, with a corresponding reduction for second homes [2] Group 2: Financial Impact - The interest rate adjustment is expected to save the 45,646 loan households approximately 265 million yuan in interest payments [1] - For a first-time home loan of 500,000 yuan with a remaining term of 20 years, the monthly payment will decrease from 2,735.59 yuan to 2,673.94 yuan, resulting in a total interest reduction of 14,800 yuan [2]