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]

5月7日，央行发布最新公告： 中国人民银行决定，自2 0 2 5年5月8日起，下调个人住房公积金贷款利率0 . 2 5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 . 5 2 5%和3 . 0 7 5%。 在今天举行的国新办新闻发布会上，中国人民银行行长潘功胜表示，降低个人住房公积金贷 款利率0 . 2 5个百分点。其中，五年期以上首套房利率由2 . 8 5%降至2 . 6%，其他期限的利率同 步调整，预计每年将节省居民公积金贷款利息超过2 0 0亿元，有利于支持居民家庭的刚性住房 需求，有助于房地产市场止跌企稳。 更多发布会内容请 见专题： 聚焦丨"一行一局一会"重磅发声 本期编辑 金珊 央行重磅官宣！下周四，降准！ 超重磅！降准、降息、降个人住房公积金贷款利率！潘功胜最新发声 关于中国资本市场，吴清说了三个"靠谱" SFC 21君荐读 据金融时报，此次住房公积金贷款利率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。此次利率下调后，新发放的住房公积金贷款 ...

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]

央行：降低个人住房公积金贷款利率0.25个百分点。此前已发放的住房公积金贷款，利率将在2026年1 月1日起下调。 （人民日报） ...

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]

5月7日，在国新办举行的新闻发布会上，中国人民银行行长潘功胜宣布，将下调个人住房公积金贷款利 率0.25个百分点。 这也是央行自2024年5月后再次对公积金利率进行定向调整。调整后，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。以100万元贷款本金、30年期、等额本息的公积金贷款为例，政策 前月供为4136元，而政策后为4003元，减少了133元。总还款总额（本金+利息）从过去的149万元变为 144万元，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 院长张波分析指出，调整后5年期以上首套房利率降至2.6%，已处于历史低位，叠加近期商贷利率调 整，公积金贷款与商业贷款定位互补，共同支持房地产市场，既减轻了中低收入群体的购房负担，又为 房地产市场注入了流动性。 每经记者 陈利 每经编辑 陈梦妤 公积金贷款利率来到历史低位。 据中指研究院不完全统计，2024年全年，全国陆续发布公积金优化政策超430条，2025年以来，全国出 台公积金优化政策城市还在不断增长。整体来看，公积金政策的优化方向主要为降低首套、二套公积金 ...

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） ...

5月7日，央行等三部门召开"一揽子金融政策支持稳市场稳预期"新闻发布会。中国人民银行行长潘功胜 在发布会上宣布了一系列宏观货币政策，其中包括下调降低存款准备金率0.5个百分点；下调政策利率 0.1个百分点；下调结构性货币政策公布利率0.25个百分点；降低个人住房公积金贷款利率0.25个百分点 等。 此外，严跃进对过去已经办理公积金贷款的购房者而在还的公积金贷款利率是否可以下降表示，从过去 的金融政策操作惯例来看，此次政策主要是指新购房的公积金贷款利率。后续也会根据既有政策，对于 已办理公积金贷款的购房者，也会跟着下调利率，也就是对存量公积金贷款利率进行下调。 （责任编辑：曹萌 ） 【免责声明】本文仅代表作者本人观点，与和讯网无关。和讯网站对文中陈述、观点判断保持中立，不对所包含内容 的准确性、可靠性或完整性提供任何明示或暗示的保证。请读者仅作参考，并请自行承担全部责任。邮箱： news_center@staff.hexun.com 此次央行明确，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。 上海易居房地产研究院副院长严跃进表示，通过降低个 ...

Group 1 - The People's Bank of China has lowered the personal housing provident fund loan interest rate by 0.25 percentage points, with the interest rate for first-time homebuyers on loans over five years reduced from 2.85% to 2.6% [1] - This adjustment applies to other loan terms as well, indicating a comprehensive reduction in housing loan rates [1] - It is estimated that this change will save residents over 20 billion yuan in annual interest expenses on provident fund loans [1]