存量公积金贷款利率，怎么调？何时调？最新回应来了

Core Viewpoint - The People's Bank of China announced a reduction in personal housing provident fund loan rates by 0.25 percentage points starting May 8, raising concerns about how existing provident fund loan rates will be adjusted [1]. Summary by Sections Announcement of Rate Adjustment - The Beijing Housing Provident Fund Management Center released an announcement on May 8 regarding the reduction of personal housing provident fund loan rates. For new loans issued after May 8, 2025, the rates for first-time homebuyers will be 2.1% for loans of 5 years or less and 2.6% for loans over 5 years. For second homes, the rates will be 2.525% and 3.075% respectively [3]. Existing Loan Rate Adjustments - For existing provident fund loans issued before May 8, 2025, loans with a term of one year or less will continue to execute the original rate after May 8, 2025, while loans with a term longer than one year will maintain the original rate until January 1, 2026, when the new rates will take effect [3][4]. Implementation Across Regions - Multiple cities, including Beijing, Shanghai, Shenzhen, Guangzhou, and others, have issued notifications to implement the new policy. Many regions have clarified the adjustment policies for existing housing loan rates [2][5]. Specific Regional Policies - In Henan Province, the housing provident fund regulatory authority stated that the new lower rates will apply to both new and existing loans. For example, a loan of 1 million yuan over 30 years will see monthly payments decrease from 4,136 yuan to 4,003 yuan, resulting in a total interest reduction of approximately 47,600 yuan [5]. Consistency in Policy Across Cities - Other cities like Shanghai and Changsha have also confirmed that existing loans issued before May 8, 2025, will maintain the original rates for the current year and will switch to the adjusted rates starting January 1, 2026 [6].