下调利率！北京、深圳、广州官宣

Core Viewpoint - The People's Bank of China has announced a reduction in personal housing provident fund loan rates by 0.25 percentage points, with the new rates effective from May 8, 2025, aimed at supporting housing demand and stabilizing the real estate market [1][5][6]. Group 1: Rate Adjustments - The new loan rates for first-time homebuyers are set at 2.1% for loans of five years or less and 2.6% for loans over five years [2][5]. - For second home loans, the rates are adjusted to a minimum of 2.525% for loans of five years or less and 3.075% for loans over five years [2][5]. - The adjustment is expected to save residents over 20 billion yuan annually in interest payments on provident fund loans [6]. Group 2: Impact on Existing Loans - Existing loans issued before May 8, 2025, will continue to follow the original interest rates until January 1, 2026, when the new rates will apply [2][4][6]. - The adjustment in rates is anticipated to increase the attractiveness of housing provident fund loans compared to commercial loans, which currently have a smaller interest rate spread [3]. Group 3: Regional Implementation - Multiple cities, including Beijing, Shenzhen, and Guangzhou, have announced similar rate reductions, with specific adjustments detailed in their respective announcements [1][4][6]. - Other cities such as Changsha, Xi'an, and Zhengzhou have also confirmed the implementation of the new rates and policies for existing loans [6].