月供要降！存量公积金贷款利率，即将下调

Core Viewpoint - The People's Bank of China has announced a reduction in the personal housing provident fund loan interest rates, effective from January 1, 2026, following a prior reduction of 0.25 percentage points starting May 8, 2025 [1][2]. Group 1: Interest Rate Adjustments - The interest rates for first-time home buyers will be adjusted to 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [3][5]. - For second-time home buyers, the rates will be set at no less than 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [3][5]. Group 2: Impact on Existing Loans - Existing personal housing provident fund loans issued before May 8, 2025, will automatically adopt the new interest rates starting January 1, 2026, without requiring any action from borrowers [4][7][8]. - For a typical family loan of 1 million yuan over 30 years, the interest savings for first-time buyers will amount to 47,600 yuan, while second-time buyers will save 49,200 yuan [5][6]. Group 3: Notifications from Local Authorities - Various local housing provident fund management centers, including those in Zhengzhou and Jiaxing, have issued notifications confirming the automatic adjustment of interest rates for existing loans starting January 1, 2026 [7][8].