公积金贷款利率，明年1月1日起正式下调

Core Viewpoint - The People's Bank of China has announced a reduction in personal housing provident fund loan interest rates, effective from May 8, 2025, which is expected to lower borrowing costs for homebuyers and stimulate the housing market [1] Summary by Relevant Sections - Interest Rate Adjustments The interest rates for personal housing provident fund loans have been reduced by 0.25 percentage points. The new rates are 2.1% for loans of 5 years or less and 2.6% for loans over 5 years for first-time homebuyers. For second homes, the rates are adjusted to 2.525% and 3.075% respectively [1] - Impact on Existing Loans For loans issued before May 8, 2025, the new interest rates will take effect starting January 1, 2026. This adjustment is expected to provide significant savings on interest payments for borrowers [1] - Example of Interest Savings A typical family borrowing 1.2 million yuan over 30 years will save approximately 57,100.85 yuan in interest for a first home and 59,070.01 yuan for a second home after the rate adjustment. For families with multiple children borrowing 1.56 million yuan, the savings will be around 74,229.62 yuan for the first home and 76,789.24 yuan for the second home [1]