事关买房！北上广深，都宣布了

Core Viewpoint - The People's Bank of China announced a reduction in personal housing provident fund loan interest rates, effective from May 8, 2025, with a decrease of 0.25 percentage points for both first and second home loans [1][9]. Summary by Sections Interest Rate Adjustments - The new interest rates for first home loans will be 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [1][3][9]. - For second home loans, the rates will be adjusted to a minimum of 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1][3][9]. Implementation Details - Loans issued before May 8, 2025, with a term of one year or less will continue to follow the original interest rates, while loans with a term longer than one year will switch to the new rates starting January 1, 2026 [3][9]. - The adjustments were also confirmed by housing provident fund management centers in major cities such as Shanghai, Beijing, Guangzhou, and Shenzhen [4][8][11]. Comparative Analysis - A comparison table shows the previous and new interest rates for both first and second home loans, highlighting the reductions [7][10]. - For first home loans of 1-5 years, the previous rate was 2.35%, now reduced to 2.1%, and for loans over 5 years, it was 2.85%, now reduced to 2.6% [7][10]. - For second home loans, the previous rates were 2.775% for 1-5 years and 3.325% for over 5 years, now adjusted to 2.525% and 3.075% respectively [7][10].