自2026年1月1日起，存量住房公积金贷款利率下调25个基点。 根据2025年5月7日发布的《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，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%。 对于2025年5月8日前已经发放的期限在1年以上的存量住房公积金贷款，自2026年1月1日开始，按 照调整后的新利率执行。 以公积金贷款120万元、贷款年限30年、等额本息还款方式为例，利率调整后，首套房贷款节省利 息57100.85元，二套房贷款节省利息59070.01元。 多地明确，存量住房公积金贷款利率下调无需主动申请，2026年1月1日起将自动按照新利率标准计 息。(中国经济网记者 黄春棉) ...

以一笔总额100万元、期限30年的首套房公积金贷款为例，采用等额本息还款方式，利率下调后，月还 款额将从4135.57元降至4003.40元，每月减少132.17元；整个贷款周期总利息支出可节省4.76万元，有效 减轻借款人的长期还款压力。 职工若想查询本人贷款执行的具体利率，可通过"昆明公积金"微信小程序等官方渠道进行查询。 本报讯 记者徐晓俊报道 记者从昆明市住房公积金管理中心获悉，自2026年1月1日起，在2025年5月8日 前已发放的存量个人住房公积金贷款利率将自动下调。借款职工无需办理任何手续，即可享受降息带来 的月供减少实惠。 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，个人住房公积金 贷款利率已统一下调0.25个百分点。此次政策明确，对于在该日期前已发放的存量贷款，其利率调整将 于2026年1月1日自动生效。2025年5月8日（含）之后新发放的贷款，已直接执行下调后的新利率。 利率调整具体标准为：贷款期限5年（含）以下的，首套房利率由2.35%降至2.1%，二套房利率由 2.775%降至2.525%；贷款期限5年以上的，首套房利率由2.85%降至2.6%，二 ...

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 自2026年1月1日起，存量住房公积金贷款利率将下调25个基点。 此外，由于2025年5年期以上LPR累计下调10个基点，因此部分重定价日在1月1日的商贷利率也将迎来 下调。 无需申请 自动调整 根据2025年5月7日发布的《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，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%。 对于2025年5月8日前已经发放的期限在1年以上的存量住房公积金贷款，自2026年1月1日开始，按照调 整后的新利率执行。 以公积金贷款120万元、贷款年限30年、等额本息还款方式为例，利率调整后，首套房贷款节省利息 57100.85元，二套房贷款节省利息59070.01元。 近日，杭州、郑州、嘉兴、江门、中山等多地住房公积金管理中心发布利率调整通知，进一步明确政策 落地细则。 多地明确，存量住房公积金贷款利 ...

记者昨日从省省直机关住房管理中心、郑州住房公积金管理中心了解到，根据今年5月7日发布的 《关于下调个人住房公积金贷款利率的通知》，对于2025年5月8日前已发放的住房公积金贷款，自2026 年1月1日起执行下调后的最新利率标准。 二套房个人住房公积金贷款利率：五年期以下（含五年）由现行的2.775%下调至2.525%，五年期 以上由现行的3.325%下调至3.075%。 住房公积金贷款利率下调无须个人申请，系统会按《通知》自动调整贷款新利率。市民可通过"郑 好办"APP→"公积金"→"公积金贷款"点击查询还款明细，核实利率执行结果。 记者了解到，根据《通知》，执行最新利率后，首套房个人住房公积金贷款利率：五年期以下（含 五年）由现行的2.35%下调至2.1%，五年期以上由现行的2.85%下调至2.6%。 ...

每经编辑｜何小桃 ? 以缴存人家庭申请首套住房公积金贷款100万元、贷款期限30年、等额本息还款为例： 调整前每月应还本息为4135.57元，总利息支出48.88万元； 有以下这类公积金贷款的网友们 明年1月1日起，你的月供要降了！ 根据2025年5月7日发布的《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，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2.525%和3.075%。 | 个人住房公积金贷款利率调整对比表 | | | | | | --- | --- | --- | --- | --- | | (2025年5月8日起) | | | | | | 首套 贷款期限 | | | 二套 | | | 调整后 | 调整前 | | 调整前 | 调整后 | | 5年以下(含5年) | 2.35% | 2.1% | 2.775% | 2.525% | | 5年以上 | 2.85% | 2.6% | 3.325% | 3.075% | 对于 ...

好消息 有这类公积金贷款的小伙伴 下月起，你的月供要降了 今年5月7日 中国人民银行发布通知 其中 2025年5月8日之前 已发放的个人住房公积金贷款 从2026年1月1日起执行 调整后的贷款利率 今年5月7日，中国人民银行发布通知，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%。 | 中国人民银行 | | | THE PEOPLE'S BANK OF CHINA | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 缅泼布 | 深集活通 | 货币政策 | 宏观审慎 | 信贷政策 | 全融市场 | 全融稳定 | 调查续计 | 银行会计 | 支付体系 | | 金融科技 | | 人民币 | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管理 | 反洗钱 | 党建工作 ...

Core Viewpoint - The recent reduction in housing provident fund loan interest rates in China aims to alleviate financial burdens for homebuyers, with specific adjustments for new and existing loans set to take effect at different times [3]. Group 1: Interest Rate Adjustments - The People's Bank of China announced a 0.25 percentage point reduction in housing provident fund loan rates effective from May 8, with new rates for first-time homebuyers set at a minimum of 2.1% for loans under 5 years and 2.6% for loans over 5 years [3]. - For second-home loans, the new rates are set at a minimum of 2.525% for loans under 5 years and 3.075% for loans over 5 years [3]. Group 2: Implementation Timeline - New loans issued after May 8 will reflect the reduced interest rates, while existing loans will not be adjusted until January 1, 2026, in accordance with regulations [3][4]. - The adjustment for existing loans is automatic and does not require action from borrowers, with information available through local housing provident fund management centers and online platforms [3]. Group 3: Financial Impact - For a dual-income household taking a 1 million yuan loan for 30 years under the new rates, the monthly payment decreases by 132 yuan, resulting in a total interest savings of 48,000 yuan over the loan term [4].

Core Viewpoint - The People's Bank of China has announced a reduction in the personal housing provident fund loan interest rates, effective from May 8, 2025, impacting both new and existing loans [2] Group 1: Interest Rate Adjustments - The interest rates for first-time homebuyers will be adjusted to 2.1% for loans under 5 years and 2.6% for loans over 5 years [2] - For second-time homebuyers, the rates will be set at no less than 2.525% for loans under 5 years and 3.075% for loans over 5 years [2] - Existing loans will see a rate adjustment starting January 1, 2026, with quarterly adjustments thereafter as per local regulations [2] Group 2: Current Mortgage Rates and Policies - The latest mortgage rates in Shenzhen are 3.05% for first-time homebuyers and 3.45% for second-time homebuyers [3] - The minimum down payment for first-time and second-time homebuyers is 20%, while it is 15% for purchasing affordable housing [3] - A simulation shows that for a 1 million yuan, 30-year provident fund loan, the monthly payment will decrease by approximately 132.17 yuan, saving about 48,000 yuan in interest over the loan term [3]

Core Viewpoint - The People's Bank of China has announced a reduction in personal housing provident fund loan interest rates, effective from May 8, 2025, which is expected to alleviate the financial burden on borrowers and support the real estate market [1][9]. Summary by Category Interest Rate Adjustments - The interest rates for first-time homebuyers will be reduced to 2.1% for loans of 5 years or less and 2.6% for loans over 5 years [1][3]. - For second homes, 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][3]. Financial Impact on Borrowers - For a 1 million yuan loan over 30 years at the previous rate of 2.85%, the monthly payment was approximately 4,136 yuan, which will decrease to about 4,003 yuan after the adjustment, saving around 133 yuan per month and totaling 47,600 yuan in interest over the loan term [4]. - For second homes, the previous rate of 3.325% would result in a monthly payment of about 4,393 yuan, which will drop to approximately 4,257 yuan, saving about 136 yuan monthly and totaling 49,000 yuan in interest [5]. Broader Market Response - Following the central bank's announcement, multiple cities including Shanghai, Beijing, Guangzhou, and Shenzhen have also announced reductions in their housing provident fund loan rates [6]. - The interest rate adjustments will apply to both new and existing loans, with existing loans set to see a rate reduction starting January 1, 2026 [9].

Core Viewpoint - The Ningxia Yinchuan Housing Provident Fund Management Center has announced a reduction in personal housing provident fund loan interest rates by 0.25 percentage points, effective from May 8 [1]. Group 1: Interest Rate Adjustments - The interest rate for first-time homebuyers on loans with a term of less than 5 years has decreased from 2.35% to 2.1%, and for loans over 5 years, it has decreased from 2.85% to 2.6% [1]. - For second homes, the interest rate for loans with a term of less than 5 years has decreased from 2.775% to 2.525%, and for loans over 5 years, it has decreased from 3.325% to 3.075% [1]. - Loans issued before May 8 will apply the new rates starting January 1, 2026, while loans applied for but not yet issued before May 8 will also use the new rates [1]. Group 2: Financial Impact on Borrowers - For a first-time home loan of 600,000 yuan over 30 years, using the equal principal and interest method, monthly payments will decrease by 79 yuan, resulting in a total interest reduction of approximately 28,600 yuan; using the equal principal method, monthly payments will decrease by 125 yuan, with a total interest reduction of about 22,300 yuan [2]. - For a second home loan of 600,000 yuan over 30 years, using the equal principal and interest method, monthly payments will decrease by 82 yuan, leading to a total interest reduction of nearly 29,600 yuan; using the equal principal method, monthly payments will decrease by 125 yuan, with a total interest reduction of about 22,300 yuan [2].