Core Viewpoint - The People's Bank of China has decided to lower the personal housing provident fund loan interest rates by 0.25 percentage points starting from May 8, 2025 [1] Summary by Categories Interest Rate Adjustments - The interest rates for the first set of personal housing provident fund loans will be adjusted to 2.1% for loans of 5 years or less (including 5 years) and 2.6% for loans over 5 years [1] - The interest rates for the second set of personal housing provident fund loans will be adjusted to not lower than 2.525% for loans of 5 years or less (including 5 years) and 3.075% for loans over 5 years [1]

Core Viewpoint - The central bank has decided to lower the personal housing provident fund loan interest rates starting from May 8, 2025, which is expected to impact the housing market and borrowing costs for individuals [1] Summary by Category Interest Rate Adjustments - The interest rate for the first set of personal housing provident fund loans for a term of 5 years or less (including 5 years) will be adjusted to 2.1% [1] - The interest rate for the first set of personal housing provident fund loans for a term exceeding 5 years will be adjusted to 2.6% [1] - The interest rate for the second set of personal housing provident fund loans for a term of 5 years or less (including 5 years) will be adjusted to not lower than 2.525% [1] - The interest rate for the second set of personal housing provident fund loans for a term exceeding 5 years will be adjusted to not lower than 3.075% [1]

张波：下调个人住房公积金贷款利率强化了公积金制度的普惠性 金十数据5月7日讯，58安居客研究院院长张波表示，个人住房公积金贷款利率0.25个百分点，进一步拉 大了公积金贷款与商业贷款的利差，在一定程度上强化了公积金制度的普惠性，更利好首次购房人群。 政策效果的持续性依赖于房地产组合政策落地。 （新浪） ...