2026年1月1日起，你的房贷可能下调！

Core Viewpoint - The article discusses the upcoming reduction in housing provident fund loan interest rates, which will lead to lower monthly payments for borrowers starting January 1, 2026 [2][3]. Interest Rate Adjustments - The People's Bank of China will lower the interest rates for personal housing provident fund loans by 0.25 percentage points effective May 8, 2025. The new rates will be 2.1% for first-time homebuyers with 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 [2][3]. - A comparison table shows the adjusted rates for first and second homes, indicating a decrease from previous rates [3]. Financial Impact - For a family applying for a first-time housing provident fund loan of 1 million yuan over 30 years, the monthly payment will decrease from 4,135.57 yuan to 4,003.4 yuan, saving 132.17 yuan per month and reducing total interest payments by 47,600 yuan [3]. Regional Policy Changes - Various regions have been actively enhancing support for residents' housing needs through increased loan limits and reduced down payment ratios. For instance, Tianjin plans to raise the maximum loan limits for first and second homes [4]. - Other cities like Foshan and Yunnan have introduced policies to lower down payment ratios and increase loan amounts for families with multiple children [4]. Rental Support Initiatives - Several regions are also increasing support for rental housing, such as raising the annual rental withdrawal limit in Shijiazhuang and allowing monthly direct payment of rent using provident funds in cities like Chengdu and Beijing [5]. - The article highlights the expansion of the provident fund's usage beyond housing, including payments for property fees and medical expenses in various cities [5].