Core Viewpoint - The People's Bank of China announced a reduction in the personal housing provident fund loan interest rates, effective from May 8, 2025, with a decrease of 0.25 percentage points [1] Group 1: Loan Rate Adjustments - The first home provident fund loan interest rate for loans under 5 years is reduced from 2.35% to 2.1%, and for loans over 5 years from 2.85% to 2.6% [2] - The second home provident fund loan interest rate for loans under 5 years is reduced from 2.775% to 2.525%, and for loans over 5 years from 3.325% to 3.075% [2] Group 2: Impact on Borrowers - For a first home loan of 1 million yuan over 30 years, the monthly payment decreases from 3680 yuan to 3528 yuan under flexible repayment, saving 152 yuan per month, and from 4135.57 yuan to 4003.40 yuan under equal principal and interest, saving 132.17 yuan per month [2] - The total interest for the first home loan decreases from 488807.34 yuan to 441222.35 yuan, saving 47584.99 yuan in interest [2] - For a second home loan of 600,000 yuan over 30 years, the monthly payment decreases from 2208 yuan to 2117 yuan under flexible repayment, saving 91 yuan per month, and from 2636.00 yuan to 2553.96 yuan under equal principal and interest, saving 82.04 yuan per month [3] - The total interest for the second home loan decreases from 348959.45 yuan to 319424.59 yuan, saving 29534.86 yuan in interest [3] Group 3: Loan Management - Borrowers can check their current loan interest rates through the "Beijing Provident Fund" WeChat official account [4]

南方财经全媒体记者 曹媛 深圳报道 据深圳市住房公积金中心消息，5月8日，根据央行决定，深圳开始同步下调个人住房公积金贷款利率 0.25个百分点。 此次商业贷款利率未直接降低，从而拉开了公积金利率和商业贷款利率的差异，目前来看二者差距在40 个基点，加上各地提高公积金贷款额度，有助于提升公积金贷款的利用效率，更好发挥其降成本的效 应，支持刚需和改善。 据贝壳研究院分析，深圳贷款比例逐渐回升，首次置业、普通换房置业入市积极，对房贷的依赖程度较 高，令贷款比例出现回升。2024上半年，贷款方式购房的比例为77%；平均贷款成数为64%，达到2019 年以来半年度新高。 目前深圳新房市场积极修复。据统计，2025年1季度深圳一手住宅网签总量（预售+现售）11741套，同 比增长82.5%，月均成交接近4000套，相比2022-2024年上半年一直在2000-2500套，增幅幅度较大。 调整后，深圳个人住房公积金贷款利率为：五年（含）以下首套房利率为2.1%，二套房利率为 2.525%；五年及以上首套利率为2.60%，二套房利率为3.075%。 据第三方房产中介机构研究院测算，新利率情况下，若以首套二孩，纯公积金贷款2 ...

Core Points - The announcement of a reduction in Beijing's housing provident fund interest rates has been made, effective immediately, with the first home loan rate for over five years decreasing from 2.85% to 2.6%, and the second home loan rate dropping from 3.325% to 3.075% [1][2] - This reduction marks a historical low for provident fund loan rates, significantly decreasing the interest expenses for homebuyers [3] Summary by Sections Interest Rate Changes - The new interest rates for loans issued after May 8, 2025, will be 2.1% for loans of five years or less and 2.6% for loans over five years for first homes, while second home rates will be 2.525% and 3.075% respectively [2] - Both municipal and national provident funds will implement these new rates starting today for new loans [2] Impact on Existing Loans - Existing loans issued before May 8, 2025, will continue to use the original interest rates until January 1, 2026, when the new rates will take effect [4] - The adjustment will be automatic, and borrowers do not need to apply for the new rates [4] - Monthly repayment amounts will not automatically adjust unless borrowers choose to modify them, but overall interest payments will decrease [4]

5月7日，保利发展披露4月销售简报。简报显示，4月保利发展实现签约面积122.72万平方米，同比减少 34.25%；签约金额246.22亿元，同比减少25.44%。 【5】融信中国4月合约销售额3.27亿元 【3】四川：明起下调个人住房公积金贷款利率 5月7日，四川省省级住房公积金管理中心发布通知，根据《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，四川省省级住房公积金管理中心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%。 【4】保利发展4月签约额246.22亿元，同比减少34.25% 5月7日，中国人民银行行长潘功胜在参加国新办新闻发布会时表示，降低个人住房公积金贷款利率0.25 个百分点，5年期以上首套房利率由2.85%降至2.6%，其他期限的利率同步调整。 【1】中国人民银行行长潘功胜：公积金贷款利率降低0.25个百分点 【2】上海：下调个人住房公积金贷款利率 5月7日，上海公积金官微发布 ...

深圳今日起下调公积金利率，首套二孩209万纯公积金贷款总利息减少9.94万 从深圳市住房公积金中心获悉，5月8日，根据央行决定，深圳开始同步下调个人住房公积金贷款利率 0.25个百分点。据乐有家研究中心测算，新利率情况下，若以首套二孩，纯公积金贷款209万，等额本 息还款方式计算，新政后可累计节省利息9.94万。 （读特） ...

Group 1 - The A-share market showed strong performance on May 7, with all three major indices rising due to favorable policy support, with the Shanghai Composite Index closing at 3342.67 points, up 0.80% [1] - The real estate sector saw significant gains, with 83 out of 107 stocks rising, indicating a broad-based rally in the sector [1] - The reduction in personal housing provident fund loan rates is expected to lower purchasing costs, enhance market activity, and improve sales expectations for real estate companies [1] Group 2 - For a first-time homebuyer taking a 1 million yuan, 30-year fixed-rate housing provident fund loan, the monthly payment decreased from 4136 yuan to 4003 yuan, resulting in a total interest reduction of nearly 50,000 yuan over 30 years [2] - The adjustment in provident fund loan rates is driven by the need to optimize housing policies and align with commercial bank lending rates [2] - Future developments in the real estate sector are expected to vary by city, with first-tier and hot second-tier cities likely to further optimize purchase and loan restrictions, while third and fourth-tier cities may increase land supply and purchase subsidies to balance market supply and demand [2]

5月7日，中国人民银行宣布，自5月8日起，下调个人住房公积金贷款利率0.25个百分点。随后，长沙、西 安、郑州、宁波、上海、南京等多地陆续发布下调公积金贷款利率的通知，并明确存量公积金贷款利率调 整政策。 其中，上海和长沙住房公积金管理中心还表示，2025年5月8日（不含）前已经发放的个人住房公积金贷款，本 年度内执行原利率，自2026年1月1日起执行调整后的利率。2025年5月8日（含）以后发放的个人住房公积金贷 款，按照调整后的利率执行。 郑州、宁波住房公积金管理中心也表示，5月8日前已审批未发放的公积金贷款，也按调整后的新利率执行。 宁波住房公积金管理中心举例称，此次公积金贷款利率调整后，如为家庭首套房，按公积金贷款100万元、30 年期、等额本息还款计，月供约减少132元、从4135.57元降至4003.4元，总利息约减少47584元、从488806.58 元降至441222.96元。 上海易居房地产研究院副院长严跃进表示，在5月7日出台一揽子金融政策后，全国各个城市陆续发布关于下调 住房公积金贷款利率的通知，意味着从5月8日起，全国各地将正式推进下调公积金利率的相关内容。公积金是 全国比较统一的一个 ...

注意啦！公积金贷款又有大动作，跟咱买房人钱包直接相关，这条一定要认真听！ 5月7日，央行宣布：从5月8日开始，个人住房公积金贷款利率正式下调0 . 2 5个百分点！值得 注意的是，调整之后，公积金贷款5年期以上首套房利率降至2 . 6%，已处于历史低位。 具体来看—— 首 套 房 贷 款 利 率 更 划 算 啦 ： 5 年 以 下 （ 含 5 年 ） 从 2 . 6% 降 到 2 . 1% ， 5 年 以 上 从 2 . 8 5% 直 降 到 2 . 6%；二套房利率也同步调整，5年以下不低于2 . 5 2 5%，5年以上不低于3 . 0 7 5%。 ① 5月8日起新申请的公积金贷款，放款时直接按新利率执行，买房成本当场就降低； ② 已经办好贷款的朋友别着急，存量贷款的利率调整将在2 0 2 6年1月1日统一生效，元旦过后 就能少还利息啦！ 给大家算笔明白账：假如你贷了1 0 0万，按等额本息还3 0年，利率从2 . 8 5%降到2 . 6%， 整整 能省下约4 . 7 6万元利息，每个月月供少还1 3 2元！ 这相当于 每年多了1 5 0 0多块零花钱 ，给孩 子报个兴趣班、全家出去旅个游，不香吗？ 这次调 ...

Core Points - The People's Bank of China announced a reduction in personal housing provident fund loan rates by 0.25 percentage points, effective from May 8, 2025 [1][2] - Various cities, including Changsha, Xi'an, Zhengzhou, Ningbo, Shanghai, and Nanjing, have followed suit by issuing notifications to lower their provident fund loan rates [3] - Zhuhai introduced new policies to stabilize the real estate market, including increasing the maximum provident fund loan limits and reducing down payment ratios [5][6] Summary by Category Loan Rate Adjustments - The new loan rates for first-time homebuyers are set at 2.1% for loans under 5 years and 2.6% for loans over 5 years, while second-home loans will have rates of no less than 2.525% and 3.075% respectively [2] - Existing loans issued before May 8, 2025, will maintain their original rates until January 1, 2026, when the new rates will apply [3][4] Local Policy Initiatives - Zhuhai's new measures include raising the maximum loan amounts for single and dual contributors from 60 million to 80 million and from 100 million to 130 million respectively [5] - The minimum down payment for first and second homes is set at 20%, while it is 15% for affordable housing [5] Support for Young Talent and Housing Exchange - The new policies in Zhuhai also provide a subsidy of up to 30,000 yuan for residents participating in housing exchanges and support young talents in renting and eventually purchasing homes [5][6] - The initiative includes a rental policy where the first year is rent-free, followed by reduced rates in subsequent years [5]

Core Viewpoint - The People's Bank of China announced a reduction in the personal housing provident fund loan interest rate by 0.25 percentage points, effective from May 8, 2025, which is expected to stimulate the housing market and support homebuyers [1][4]. Group 1: Interest Rate Adjustments - The new interest rates for the first home provident fund loans are set at 2.1% for loans of 5 years or less and 2.6% for loans over 5 years. For second homes, the rates are not lower than 2.525% and 3.075% respectively [4]. - Cities such as Changsha, Xi'an, Zhengzhou, Ningbo, Shanghai, and Nanjing have followed suit by announcing similar reductions in their provident fund loan rates [5][6]. - Existing loans issued before May 8, 2025, will maintain the original interest rate until January 1, 2026, when the new rates will take effect [5][6]. Group 2: Local Policies to Support Housing Market - Zhuhai has introduced new policies to stabilize the housing market, including increasing the maximum provident fund loan limits and reducing the down payment ratios for home purchases [2][8]. - The maximum loan amount for single and dual contributors has been raised from 60 million to 80 million and from 100 million to 130 million respectively, with minimum down payment ratios set at 20% for first and second homes [8]. - The policy also includes a subsidy for residents participating in "old-for-new" housing exchanges, providing up to 30,000 yuan per unit purchased [2][8]. Group 3: Support for Young Talent and Education - The new policies in Zhuhai support young talents by offering rental incentives and allowing them to apply for affordable housing after a certain rental period [2][8]. - Additionally, children of non-local buyers can apply for admission to compulsory education schools using valid purchase documents, facilitating their integration into the local education system [9].