今日起，公积金贷款利率下调

Core Viewpoint - Multiple cities in China have announced adjustments to personal housing provident fund loan interest rates, effective from May 8, with significant reductions for both first and second home loans [1] Group 1: Interest Rate Adjustments - The interest rates for first home loans under the personal housing provident fund have been reduced to 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [1] - The interest rates for second home loans have been adjusted to 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1] - Loans issued after May 8 will follow the new interest rates, while loans issued before this date will transition to the new rates starting January 1, 2026 [1] Group 2: Central Bank Announcement - On May 7, the People's Bank of China announced a reduction of 0.25 percentage points in personal housing provident fund loan interest rates, effective from May 8, 2025 [1] - The new rates for first home loans will be 2.1% for loans of 5 years or less and 2.6% for loans over 5 years, while second home loans will not be lower than 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1]