降准又降息！中国人民银行行长潘功胜在5月7日的国新办发布会上宣布，降低存款准备 金率0.5个百分点，预计将向市场提供长期流动性约1万亿元；降低个人住房公积金贷款利率 0.25个百分点，五年期以上首套房利率由2.85%降至2.6%。 编辑：聂杨 最新的个人住房公积金贷款利率政策5月8日实施。长江日报记者致电武汉公积金热线了 解到，明天起准备使用公积金贷款购房的市民，直接适用最新的贷款利率；已使用公积金贷 款的武汉市民，目前没有存量贷款利率执行细则出来，可关注武汉公积金官网后续信息发 布。 长江日报记者注意到，在本次公积金首套房利率下调之前，个人首套房商贷利率 3.1%，二套房商贷利率3.325%；个人公积金首套房利率2.85%，二套房公积金贷款利率也是 3.325%，与二套房商贷利率保持一致。业内分析人士认为，"此次公积金房贷利率的进一步 下调，或为银行商贷利率的下调打开空间。" 此次会上，潘功胜宣布三大类共十项措施的一揽子货币政策措施，除降准降息外，还包 括设立5000亿元"服务消费与养老再贷款"，引导商业银行加大对服务消费与养老的信贷支 持；完善存款准备金制度，阶段性将汽车金融公司、金融租赁公司的存款准备金 ...

广东省人民政府办公厅印发《广东省提振消费专项行动实施方案》提出，更好满足住房消费需求。用好 地方政府专项债券可用于资本金政策，积极稳妥有序推进新模式下城中村改造。扎实推进老旧小区改 造，2025年新开工改造老旧小区不少于600个，启动2.65万台住宅老旧电梯更新。扩大保障性住房供 给，用好专项债券支持城市收购存量商品房用作保障性住房政策。落实国家《住宅项目规范》，优化房 屋建造标准，提高新建商品房建设质量，加快建设安全、舒适、绿色、智慧的"好房子"。持续优化住房 公积金使用政策，支持缴存人在提取住房公积金支付购房首付款的同时申请住房公积金个人住房贷款， 进一步优化租房提取政策措施，持续推进灵活就业人员参加住房公积金制度试点工作。 ...

此次调整后，个人住房公积金贷款利率会降到多少？这根据借款人的贷款期限等因素会有所不同。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将会分别调整为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则分别调整为不低于2.525%和3.075%。 中国人民银行决定，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，五年期以上首套 房利率由2.85%降至2.6%。此次调整范围包括哪些？将减少多少利息支出？ （文章来源：央视新闻） 记者了解到，此次调整范围既包括新发放的住房公积金贷款，也包括存量住房公积金贷款。新发放的住 房公积金贷款将直接执行新的利率；而此前已发放的住房公积金贷款，利率则将在2026年1月1日起下 调。 以一笔金额100万元、期限30年、等额本息还款的首套个人住房公积金贷款为例，月供将由4136元降至 4003元，减少约133元，总利息支出将减少约4.76万元。 中国人民银行表示，降低住房公积金贷款利率0.25个百分点，是人民银行推动提振消费政策措施落地见 效的有力举措。业内专家认为，住房公积金利率下调，能够有效降低居民购房门槛，充分体现住房公 ...

据央视新闻消息，中国人民银行决定自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，五 年期以上首套房利率由2.85%降至2.6%。此次调整涵盖新发放及存量贷款，存量贷款利率将于2026年1 月1日起调整。以100万元、30年期限的贷款为例，月供减少约133元，总利息支出降低约4.76万元。此 举旨在降低购房门槛，激发居民住房消费，支持房地产市场健康发展。 ...

企查查数据显示，国内现存房地产经纪相关企业106.49万家。从成立年限来看，在1-3年的相关企业最 多，占比27.57%。从注册量来看，截至目前，今年已注册房地产经纪相关企业5.69万家，其中前4月注 册5.66万家，同比增长3.78%。从地区分布来看，房地产经纪相关企业多分布在华东地区，占比 34.98%。从注册资本来看，房地产经纪相关企业多为轻量级企业，注册资本在100万元以内的相关企业 最多，占比44.44%。 1.今年前4月房地产经纪相关企业注册量同比增长3.78% 企查查数据显示，从注册量来看，截至目前，今年已注册房地产经纪相关企业5.69万家，其中前4月注 册5.66万家，与去年同期注册量相比稳中有升，增长3.78%。从成立年限来看，国内现存房地产经纪相 关企业106.49万家，其中，成立年限在1-3年的相关企业最多，占比27.57%。成立年限在10年以上的相 关企业占比9.33%。 （原标题：下调公积金贷款利率！前4月房地产经纪企业注册增长3.78%） 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。中国人民银行决定，自2025年5 月8日起，下调个人住房公积金贷款利率0.25个 ...

张波表示，调整后的5年期以上首套房利率降至2.6%，已处于历史低位，与商业贷款定位互补，共同支 持房地产市场。本次调整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。 中国人民银行行长潘功胜5月7日在国新办举行的新闻发布会上宣布，将下调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。 潘功胜表示，降低个人住房公积金贷款利率，预计每年将节省居民公积金贷款利息超过200亿元，有利 于支持居民家庭的刚性住房需求，也有助于房地产市场止跌企稳。 从购房者个人角度看，公积金贷款利率下调也将进一步降低房贷成本。 上海易居房地产研究院副院长严跃进计算，对于100万贷款本金、30年期、等额本息的公积金贷款，政 策前月供为4136元，调整后为4003元，减少了133元；还款总金额(本金+利息)从过去的149万变为144 万，直接减少了5万元成本。 "在商业贷款利率持续下行的背景下，公积金利率的定向调整凸显了政策的分层设计。"58安居客研究院 院长张波表示，继2024年下调后再次对公积金贷款利率进行定向调整，将有效缓 ...

金十数据5月7日讯，5月7日，郑州住房公积金管理中心发布通知，下调个人住房公积金贷款利率。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%。利率调整前已经发放的个人住房公积金贷款，自2026年1月1 日起，执行同档次最新利率。利率调整前已经受理但未发放的个人住房公积金贷款，发放时执行同档次 最新利率。 郑州下调住房公积金利率，5月8日起执行 ...

Core Viewpoint - The People's Bank of China announced a reduction in personal housing provident fund loan rates by 0.25 percentage points, which is expected to save residents over 20 billion yuan in interest annually [2][4]. Group 1: Loan Rate Adjustments - The new loan rates effective from May 8, 2025, will be 2.1% for first-time homebuyers with loans of 5 years or less, and 2.6% for loans over 5 years [4]. - For second-time homebuyers, the rates will be no less than 2.525% for loans of 5 years or less, and 3.075% for loans over 5 years [4]. - The adjustment applies to both new and existing housing provident fund loans, with existing loans' rates set to decrease starting January 1, 2026 [4]. Group 2: Impact on Borrowers - For a first-time housing provident fund loan of 1 million yuan over 30 years, the monthly payment will decrease from 4,136 yuan to 4,003 yuan, resulting in a reduction of approximately 133 yuan [2][4]. - The total interest payment over the loan term will decrease by about 47,600 yuan due to the rate cut [2][4]. Group 3: Market Implications - The rate reduction is aimed at supporting the rigid housing demand of residents and is expected to help stabilize the real estate market [4]. - Prior to 2022, the housing provident fund loan rates were adjusted frequently, but only two adjustments have occurred since then, indicating a more stable rate environment [4].

Group 1 - The People's Bank of China announced a reduction in the personal housing provident fund loan interest rate by 0.25 percentage points, with the new rate for first-time homebuyers over five years dropping from 2.85% to 2.6% [1] - The central bank also implemented a 0.5 percentage point reserve requirement ratio cut, injecting approximately 1 trillion yuan into the market, and lowered the policy interest rate by 0.1 percentage points [1] - The interest rate adjustment applies to both new and existing housing provident fund loans, with existing loans set to be adjusted starting January 1, 2026 [1] Group 2 - The reduction in housing provident fund loan interest rates is aimed at supporting consumer spending, aligning with the previously announced "Special Action Plan to Boost Consumption" [2] - Experts believe that lowering the housing provident fund interest rate will effectively reduce the threshold for home purchases, stimulate housing consumption, and address the interest rate differential between provident fund loans and commercial loans [2] - This measure is expected to release potential demand for both rigid and improved housing needs, contributing to the sustained healthy development of the real estate market [2]

Group 1 - The People's Bank of China announced a reduction in personal housing provident fund loan rates by 0.25 percentage points, a reserve requirement ratio cut of 0.5 percentage points, and a policy interest rate reduction of 0.1 percentage points, providing approximately 1 trillion yuan in long-term liquidity to the market [1] - After the adjustment, the interest rate for first-time homebuyers on loans with a term of over 5 years will decrease from 2.85% to 2.6%, with corresponding adjustments for other terms [1] - For a loan principal of 1 million yuan over 30 years, the monthly payment will decrease from 4,136 yuan to 4,003 yuan, resulting in a total repayment reduction of 50,000 yuan [1] Group 2 - The majority of personal commercial housing loan rates are based on the Loan Prime Rate (LPR), which is expected to decrease by approximately 0.1 percentage points following the policy interest rate cut [2] - The weighted average interest rate for newly issued commercial personal housing loans in the first quarter of 2025 was 3.11%, which could potentially drop to 3.01% due to the LPR adjustment [2] - For a 1 million yuan loan over 30 years, the total repayment amount will decrease from 1.54 million yuan to 1.52 million yuan, with a monthly payment reduction from 4,276 yuan to 4,221 yuan [2]