自2026年1月1日起，存量住房公积金贷款利率将下调25个基点。 近日，杭州、郑州、嘉兴、江门、中山等多地住房公积金管理中心发布利率调整通知，进一步明确政策 落地细则。 多地明确，存量住房公积金贷款利率下调无需主动申请，2026年1月1日起将自动按照新利率标准计息。 杭州住房公积金管理中心还重点提示，由于分段计息规则，利率调整后重新计算首期利息，部分借款人 可能会出现1月还款额高于原月还款额，2月起还款额将低于原月还款额。 此外，由于2025年5年期以上LPR累计下调10个基点，因此部分重定价日在1月1日的商贷利率也将迎来 下调。 无需申请 自动调整 根据2025年5月7日发布的《中国人民银行关于下调个人住房公积金贷款利率的通知》，自2025年5月8日 起，下调个人住房公积金贷款利率0.25个百分点，5年以下（含5年）和5年以上首套个人住房公积金贷 款利率分别调整为2.1%和2.6%，5年以下（含5年）和5年以上第二套个人住房公积金贷款利率分别调整 为不低于2.525%和3.075%。 对于2025年5月8日前已经发放的期限在1年以上的存量住房公积金贷款，自2026年1月1日开始，按照调 整后的新利率执行。 ...

据杭州发布12月30日消息，存量个人住房公积金贷款利率，将于2026年1月1日起正式下调。 由于分段计息规则，利率调整后重新计算首期利息，部分借款人可能会出现1月还款额高于原月还款 额，2月起还款额将低于原月还款额。 （来源：财闻） 对于2025年5月8日前已经发放的个人住房公积金贷款，自2026年1月1日开始，按调整后的新利率执行。 对于2025年5月8日前已经发放的个人住房公积金贷款，自2026年1月1日开始，按调整后的新利率执行。 根据2025年5月7日发布的《中国人民银行关于下调个人住房公积金贷款利率的通知》，自2025年5月8日 起，下调个人住房公积金贷款利率0.25个百分点。首套个人住房公积金贷款5年期以下（含五年）年利 率为2.1%，5年期以上年利率为2.6%。第二套住房公积金贷款利率5年期以下（含五年）年利率不低于 2.525%，5年期以上年利率为不低于3.075%。 ...

转自：北京青年报客户端 摄影/北京青年报记者 宋霞 2025年5月8日，北京住房公积金管理中心发布关于下调个人住房公积金贷款利率公告。其中提到，对于2025年5月 8日（不含）以前发放的，期限在一年（含一年）以内的个人住房公积金贷款，2025年5月8日后仍执行原利率，不 分段计息；期限在一年以上的个人住房公积金贷款，2025年5月8日后仍执行原利率，自2026年1月1日（含）开 始，执行调整后的个人住房公积金贷款利率。 据介绍，北京购房者无需进行操作申请，系统会自动调整到最新贷款利率。 根据测算，以贷款金额100万元、贷款年限30年为例，如采用自由还款方式，利率调整前最低还款金额3680元，利 率调整后最低还款金额3528元，每月共减少152元。 如按照等额本息方式，原月供为4135.57元，新月供为4003.40元，每月共减少132.17元。总利息支出节省了4.76万 元，购房者还贷压力将减轻。 文/北京青年报记者 宋霞 根据2025年5月8日，北京住房公积金管理中心发布的关于下调个人住房公积金贷款利率公告，自2026年1月1日 （含）开始，对于2025年5月8日以前已经发放的个人住房公积金贷款，北京将执行 ...

2025.12.27 微信编辑| 夏木 第一财经持续追踪财经热点。若您掌握公司动态、行业趋势、金融事件等有价值的线索，欢迎提供。专 用邮箱：bianjibu@yicai.com （注：我们会对线索进行核实。您的隐私将严格保密。） 本文字数：454，阅读时长大约1分钟 根据2025年5月7日发布的《中国人民银行关于下调个人住房公积金贷款利率的通知》，自2025年5月8日 起，下调个人住房公积金贷款利率0.25个百分点，5年以下（含5年）和5年以上首套个人住房公积金贷 款利率分别调整为2.1%和2.6%。5年以下（含5年）和5年以上第二套个人住房公积金贷款利率分别调整 为2.525%和3.075%。 对于2025年5月8日以前已经发放的个人住房公积金贷款，自2026年1月1日开始，执行调整后的个人住房 公积金贷款利率。以普通家庭贷款120万元，贷款年限为30年，等额本息还款方式为例，利率调整后， 首套房节省利息为57100.85元，二套房节省利息为59070.01元。以多子女家庭贷款156万元，贷款年限为 30年，等额本息还款方式为例，利率调整后，首套房节省利息为74229.62元，二套房节省利息为 76789. ...

据中国经营报报道，根据2025年5月7日发布的《中国人民银行关于下调个人住房公积金贷款利率的通 知》，自2025年5月8日起，下调个人住房公积金贷款利率0.25个百分点，5年以下（含5年）和5年以上 首套个人住房公积金贷款利率分别调整为2.1%和2.6%。5年以下（含5年）和5年以上第二套个人住房公 积金贷款利率分别调整为2.525%和3.075%。 举个例子：以普通家庭贷款120万元，贷款年限为30年，等额本息还款方式为例，利率调整后，首套房 节省利息为57100.85元，二套房节省利息为59070.01元。 对于2025年5月8日以前已经发放的个人住房公积金贷款，自2026年1月1日开始，执行调整后的个人住房 公积金贷款利率。 ...

Core Point - The People's Bank of China announced a reduction in the personal housing provident fund loan interest rate by 0.25 percentage points [1] Group 1 - The announcement was made by the Governor of the People's Bank of China, Pan Gongsheng, during a press conference held on May 7 [1]

Report Industry Investment Rating - Not provided in the content Core Viewpoints - Macroscopically, the state is promoting national crude steel production control, the central bank has cut the reserve - requirement ratio, and the personal housing provident fund loan interest rate has been lowered. Overseas, the Fed maintained the interest rate, and a limited bilateral trade agreement was reached. The iron - alloy sector is under pressure, with negative production profits and weak steel demand expectations. The cost of electricity in Ningxia has decreased, and the technical trend of the silicon - iron main contract is bearish. It is recommended to treat the silicon - iron main contract as oscillating [6]. Summary by Directory 1. Week - on - Week Summary - **Macro Aspect**: The state is promoting crude steel production control, the central bank cut the reserve - requirement ratio by 0.5 percentage points, releasing about 1 trillion yuan of long - term liquidity, and the personal housing provident fund loan interest rate was cut by 0.25 percentage points. Overseas, the Fed maintained the federal funds rate target range at 4.25% - 4.50%, and a limited bilateral trade agreement was reached, with the UK buying $10 billion worth of Boeing aircraft [6]. - **Supply - Demand Aspect**: The iron - alloy sector is under pressure, with negative production profits. The profit in Inner Mongolia is - 230 yuan/ton, and in Ningxia is - 110 yuan/ton. Steel demand expectations are generally weak. Follow - up tariff conflicts may see new progress after the Sino - US talks [6]. - **Cost Aspect**: The electricity cost in Ningxia decreased by 1 cent, and the semi - coke price remained stable [6]. - **Technical Aspect**: The weekly K - line of the silicon - iron main contract is below the 60 - day moving average, showing a bearish trend [6]. - **Strategy Suggestion**: Treat the silicon - iron main contract as oscillating due to the decrease in supply and pressure on sector demand [6]. 2. Futures and Spot Market - **Futures Market**: As of May 9, the silicon - iron futures contract open interest was 473,800 lots, a week - on - week increase of 85,100 lots; the monthly spread was - 50, a week - on - week decrease of 126. The number of silicon - iron warehouse receipts was 18,908, an increase of 1,804. The spot price in Ningxia was 5,460 yuan/ton, a week - on - week decrease of 140 yuan/ton [12][18]. - **Spot Market**: As of May 9, the silicon - iron basis was - 82 yuan/ton, a week - on - week decrease of 24 [21]. 3. Industry Chain Situation - **Industry**: The silicon - iron operating rate increased, while demand decreased. The weekly demand for silicon - iron in five major steel types was 20,336.3 tons, a 2.00% decrease from last week. The national operating rate of 136 independent silicon - iron enterprises was 32.53%, an increase of 1.79%. The daily output was 14,700 tons, an increase of 550 tons. The inventory of 60 independent silicon - iron enterprises decreased by 11.83% to 73,700 tons [27][30]. - **Upstream**: As of May 6, the electricity price in Ningxia was 0.41 yuan/kWh, a decrease of 0.01 yuan/kWh, and in Inner Mongolia, it remained at 0.42 yuan/kWh. As of May 8, the semi - coke price remained at 665 yuan/ton. The production cost in Ningxia was 5,460 yuan/ton, a decrease of 160 yuan/ton, and in Inner Mongolia, it remained at 5,680 yuan/ton. The production profit in Ningxia was - 110 yuan/ton, a decrease of 40 yuan/ton, and in Inner Mongolia was - 230 yuan/ton, a decrease of 100 yuan/ton [34][39]. - **Downstream**: As of May 9, the daily average pig iron output of 247 steel mills was 2.4564 million tons, an increase of 0.0022 million tons from last week and 0.1114 million tons from last year. From January to March 2025, the total silicon - iron export volume was 90,500 tons, a 18.70% decrease from the same period last year. The silicon - iron tender price was 5,900 yuan/ton, a decrease of 280 yuan/ton compared to March [44].

Core Viewpoint - The People's Bank of China announced a reduction in personal housing provident fund loan interest rates, effective from May 8, 2025, with a decrease of 0.25 percentage points for both first and second home loans [1][9]. Summary by Sections Interest Rate Adjustments - The new interest rates for first home loans will be 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [1][3][9]. - For second home loans, the rates will be adjusted to a minimum of 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1][3][9]. Implementation Details - Loans issued before May 8, 2025, with a term of one year or less will continue to follow the original interest rates, while loans with a term longer than one year will switch to the new rates starting January 1, 2026 [3][9]. - The adjustments were also confirmed by housing provident fund management centers in major cities such as Shanghai, Beijing, Guangzhou, and Shenzhen [4][8][11]. Comparative Analysis - A comparison table shows the previous and new interest rates for both first and second home loans, highlighting the reductions [7][10]. - For first home loans of 1-5 years, the previous rate was 2.35%, now reduced to 2.1%, and for loans over 5 years, it was 2.85%, now reduced to 2.6% [7][10]. - For second home loans, the previous rates were 2.775% for 1-5 years and 3.325% for over 5 years, now adjusted to 2.525% and 3.075% respectively [7][10].

Core Points - The Zhuhai Housing Provident Fund Management Center announced a reduction in personal housing provident fund loan interest rates effective from May 8, 2025 [1] - The interest rate for first-time personal housing provident fund loans will be adjusted to 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 adjusted to not lower than 2.525% for loans of 5 years or less and 3.075% for loans over 5 years [1]

Core Viewpoint - Beijing has announced a reduction in personal housing provident fund loan interest rates, effective from May 8, 2025, in response to the People's Bank of China's directive [1] Summary by Categories Interest Rate Changes - The new 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] Existing Loans - Loans issued before May 8, 2025, with a term of one year or less will continue to follow the original interest rates after this date, without segmented interest calculation [1] - Loans with a term longer than one year will also maintain the original rates until January 1, 2026, when the adjusted rates will take effect [1]