据河南省住房和城乡建设厅消息，5月7日，中国人民银行发布关于下调个人住房公积金贷款利率的通知 后，河南省各省辖市、济源示范区住房公积金管理中心均于同日通过网站、微信公众号发出具体落实通 知，执行下调个人住房公积金贷款利率的决定，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。(人民财讯) ...

Core Viewpoint - The People's Bank of China has announced a reduction in the personal housing provident fund loan interest rates in the Tibet Autonomous Region, effective from May 8, 2025 [1] Summary by Category Interest Rate Adjustments - The interest rate for the first home personal housing provident fund loans for a term of 5 years or less (including 5 years) is adjusted to 1.11% [1] - The interest rate for the first home personal housing provident fund loans for a term exceeding 5 years is adjusted to 1.43% [1] - The interest rate for the second home personal housing provident fund loans for a term of 5 years or less (including 5 years) is set to not be lower than 1.436% [1] - The interest rate for the second home personal housing provident fund loans for a term exceeding 5 years is set to not be lower than 1.788% [1]

Core Points - The recent adjustment of housing provident fund loan rates across multiple cities, including Beijing and Shenzhen, aims to lower borrowing costs for homebuyers, with rates reduced by 0.25 percentage points [1][2][3] - The new 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 are at 2.525% and 3.075% respectively [1][2] - The adjustment is expected to save residents over 20 billion yuan annually in interest payments, supporting housing demand and stabilizing the real estate market [3] Summary by Category Loan Rate Adjustments - Multiple cities, including Beijing, Shenzhen, and others, have announced a reduction in housing provident fund loan rates, effective from May 8, 2025 [1][2] - The new rates for first-time homebuyers are 2.1% for loans up to 5 years and 2.6% for loans over 5 years, while second-home loans are set at 2.525% and 3.075% [1][2] Impact on Borrowers - A simulation shows that for a loan of 1 million yuan over 30 years, the monthly payment decreases from 4,136 yuan to 4,003 yuan, resulting in a total interest reduction of 47,600 yuan [1] - In Shenzhen, a family taking a 2.09 million yuan loan could save approximately 99,400 yuan in interest under the new rates [2] Market Implications - The central bank's decision is anticipated to alleviate financial burdens on households and stimulate demand in the real estate sector, potentially leading to market stabilization [3]

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 - The new housing provident fund business standards in Guangxi aim to enhance the coverage and service quality of the housing fund system, particularly benefiting flexible employment workers and improving overall accessibility for various groups [2][4][10]. Group 1: Coverage and Inclusivity - As of March 2023, the housing provident fund in Guangxi has covered 4.5983 million people with a cumulative deposit amount of 673.876 billion yuan [2]. - The new standards redefine "flexible employment workers" to include those engaged in non-full-time, temporary, and flexible work arrangements, allowing them to contribute to the housing fund [4][5]. - Approximately 101,300 flexible employment workers have participated in the housing fund, contributing a total of 2.803 billion yuan, and 12,200 households have received loans totaling 4.132 billion yuan [5]. Group 2: Service Optimization - The new standards significantly reduce the processing time for housing fund loans from 35 working days to 15 working days, achieving a reduction of over 57% [6]. - The number of required documents for loan applications has been cut down from 19 to 6, streamlining the process for applicants [6]. - New businesses can now register for housing fund contributions simultaneously during their registration process, enhancing efficiency [7]. Group 3: Risk Management and Security - The updated standards mandate the use of digital technology for risk management, transitioning from manual reviews to intelligent risk control to prevent fraudulent activities [8]. - Housing fund management centers will initiate investigations for suspicious applications to curb fraudulent withdrawals and loans [8]. Group 4: Expanded Benefits - The new standards allow for the withdrawal of housing funds for family members suffering from major illnesses, easing the financial burden on families [10]. - The standards also introduce provisions for withdrawing funds for the installation of elevators in existing residential buildings, addressing economic pressures related to home improvements [11]. - The housing provident fund system is evolving to support new employment forms and enhance convenience, thereby reinforcing its role as a comprehensive social security mechanism [11].

今天，北京公积金降息的具体公告发布了！公积金此次降息从今天起执行，5年以上首套房公积金利率 从2.85%将至2.6%，二套房贷利率从3.325%降至3.075%。 这次降息之后，公积金贷款利率再次创下了历史新低。不过存量的公积金贷款，要到明年1月执行新利 率。 02 很多粉丝肯定关心，目前已经在还贷的公积金贷款，也会降息吗？ 公积金中心的公告表示： 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。 也就是说，公积金对于正在还贷的老贷款，是从明年的1月1日开始，执行调整后的利率。不用大家手动 申请，届时系统会自动调整为新利率。 01 北京住房公积金管理中心发布的公告称： 2025年5月8日（含）之后新发放的贷款，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为2.525%和 3.075%。 ...

成都住房公积金管理中心发布通知，就支持缴存人购买和租赁保障性住房有关政策征求意见建议。其中 拟加大贷款支持。购买保障性住房使用住房公积金贷款的，最低首付款比例为15%，最高贷款额度上浮 50%，即由现行的单人60万元、双人100万元提高至单人90万元、双人150万元。 ...

据了解，5月7日，人民银行发布公告， 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%。 北京、上海、深圳、重庆、四川、安徽、海南、长沙、石家庄等多地公积金管理中心发布公告，宣 布自5月8日起调整个人住房公积金贷款利率 ，5年以下（含5年）和5年以上首套个人住房公积金贷 款利率分别下调至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 下调至2.525%和3.075%。 对于5月8日（含）以后发放的个人住房公积金贷款，按新利率执行。5月8日前已发放的未到期个人 住房公积金贷款，自2026年1月1日起按新利率执行。 ...

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） ...