明天起，“公积金+商贷”利率将同步下调

Core Viewpoint - The article discusses the upcoming adjustments in mortgage interest rates for both commercial and public housing loans starting January 1, 2026, highlighting the impact on borrowers and the broader housing market [3]. Group 1: Commercial Loan Adjustments - From January 1, 2026, the interest rates for existing commercial loans will decrease, following a prior adjustment in May 2025 where the 1-year LPR was set at 3.0% and the 5-year LPR at 3.5%, both down by 10 basis points from the previous period [3]. - For first-time homebuyers with a loan rate of LPR-30BP, the new rate will be 3.2%, while those with LPR-45BP will see their rates drop to 3.05% [3]. Group 2: Public Housing Loan Adjustments - The People's Bank of China announced a reduction in public housing loan rates effective May 8, 2025, with first-time loan rates adjusted to 2.1% for loans under 5 years and 2.6% for loans over 5 years [4]. - For second-time public housing loans, the rates were adjusted to 2.525% for loans under 5 years and 3.075% for loans over 5 years [4]. - An example calculation shows that for a first-time public housing loan of 500,000 yuan over 20 years, the monthly payment will decrease from 2,735.59 yuan to 2,673.94 yuan, a reduction of 61.65 yuan per month [4].