明天起，存量“公积金+商贷”利率将同步下调

Core Viewpoint - The article discusses the upcoming reduction in both housing provident fund loan rates and commercial loan rates in China, which will alleviate the monthly payment burden for many families. Group 1: Housing Provident Fund Loan Adjustments - Starting from May 8, 2025, the interest rate for new personal housing provident fund loans will be reduced by 0.25 percentage points, with the first home rate for loans under 5 years decreasing from 2.35% to 2.1%, and for loans over 5 years from 2.85% to 2.6% [1] - For second homes, the interest rate for loans under 5 years will drop from 2.775% to 2.525%, and for loans over 5 years from 3.325% to 3.075% [2] - Existing loans issued before May 8, 2025, will see their rates adjusted starting January 1, 2026, with significant interest savings projected for families [3] Group 2: Commercial Loan Adjustments - The five-year Loan Prime Rate (LPR) was adjusted to 3.5% from 3.6% on May 20, 2025, leading to a reduction in monthly payments for commercial loans [3] - For a commercial loan of 1 million yuan over 30 years, the recent LPR decrease will result in a monthly payment reduction of 56 yuan, accumulating to a total reduction of 20,000 yuan over 30 years [3] - Starting November 1, 2024, a new pricing mechanism for commercial housing loans will allow borrowers to adjust the repricing cycle to 3 months, 6 months, or 1 year, providing more flexibility [3][4]