上海：明起存量个人住房公积金贷款利率下调，无需借款人申请

Core Viewpoint - The article discusses the adjustment of personal housing provident fund loan interest rates in Shanghai, effective from January 1, 2026, following a decision by the People's Bank of China to lower rates by 0.25 percentage points [1]. Group 1: Interest Rate Adjustments - The adjusted interest rates for first-time personal housing provident fund loans will be 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [1]. - For second-time personal housing provident fund loans, the rates will be 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1]. Group 2: Implementation Details - The rate adjustments will apply automatically to outstanding loans that have not yet matured as of May 8, 2025, without requiring borrowers to submit applications [2].