此次利率调整是西宁住房公积金管理中心严格遵照《中国人民银行关于下调个人住房公积金贷款利率的 通知》（2025年5月7日发布）及相关规定，对2025年5月8日前发放的未到期个人住房公积金贷款实施统 一批量调整。调整后，西宁住房公积金贷款利率执行全国统一新标准。 首套自住房方面，5年以下（含5年）贷款利率降至2.1%，5年以上贷款利率降至2.6%。第二套自住房方 面，5年以下（含5年）贷款利率为2.525%，5年以上贷款利率为3.075%。与调整前相比，首套5年以上 贷款利率降幅达0.25个百分点，二套相应期限利率同步下调0.25个百分点。以首套房公积金贷款余额50 万元为例，贷款期限剩余20年，按等额本息还款方式计算：该笔贷款调整前年利率为2.85%，月供 2735.59元，总利息15.65万元。调整后年利率为2.6%，月供2673.94元，总利息14.17万元，总利息减少 1.48万元，减负效果明显。 本报讯（西海新闻记者 吴予琴）1月16日，来自西宁住房公积金管理中心的消息，2026年1月1日起，西 宁住房公积金管理中心正式执行存量个人住房公积金贷款利率下调政策，惠及西宁45646户贷款家庭。 按约定还款周 ...

Core Viewpoint - The Huizhou Housing Provident Fund Management Center announced that existing housing provident fund loans issued before May 8, 2025, will automatically adjust to new interest rates starting January 1, 2026, reducing monthly payments and long-term interest burdens due to a 0.25 percentage point decrease in rates as per the People's Bank of China [1] Group 1: Interest Rate Adjustments - The new interest rates for housing provident fund loans effective from January 1, 2026, will be 2.35% for loans up to 5 years and 2.85% for loans over 5 years for second homes, while first home loans will be 2.775% and 3.325% respectively [2] - The adjustment will apply automatically without the need for employees to apply or submit materials [2] Group 2: Financial Impact - For a family with two children taking a first home loan of 720,000 yuan over 30 years, the monthly payment will decrease from 2,978 yuan to 2,882 yuan, saving approximately 95 yuan per month and reducing total interest by about 34,260 yuan [3] - The total interest for the adjusted loan will be 317,681 yuan compared to 351,941 yuan before the adjustment [3]

Core Viewpoint - The Kunming Housing Provident Fund Management Center announced that starting from January 1, 2026, the interest rates for existing housing provident fund loans issued before May 8, 2025, will be automatically reduced without requiring any action from borrowers [1][3]. Group 1: Interest Rate Adjustment - The new interest rate for housing provident fund loans will be reduced by 0.25 percentage points starting from May 8, 2025 [5]. - The adjusted interest rates for first-time homebuyers and second-home buyers are as follows: - For loans of 1-5 years (including 5 years): - First home: from 2.35% to 2.1% - Second home: from 2.775% to 2.525% - For loans over 5 years: - First home: from 2.85% to 2.6% - Second home: from 3.325% to 3.075% [6]. Group 2: Financial Impact - An example illustrates that for a family borrowing 1 million yuan for a first home over 30 years with equal principal and interest repayments, the monthly payment will decrease from 4,135.57 yuan to 4,003.40 yuan, saving approximately 132.17 yuan per month [9]. - The total interest expenditure will drop from about 488,800 yuan to approximately 441,200 yuan, resulting in a total savings of around 47,600 yuan over the loan term [9]. Group 3: Inquiry and Information Access - Borrowers can check their loan interest rates conveniently through the "Kunming Provident Fund" WeChat mini-program [11].

Group 1: Housing Development Plans - Beijing has officially released its third batch of affordable housing construction plans for 2025, which includes 9 new projects with 3,241 units, 1 collection project with 123 units, and 2 completed projects with 1,857 units [1] - The city aims to construct approximately 67,000 rental housing units in 2025, achieving 135% of its annual target of 50,000 units, and plans to complete nearly 100,000 units of various types of affordable housing, reaching 125% of its annual target of 80,000 units [1] Group 2: Housing Loan Rate Adjustments - Shanghai's housing provident fund management center announced a reduction in the interest rates for outstanding personal housing provident fund loans, effective from January 1, 2026, for loans issued before May 8, 2025 [2] - The new rates will be 2.1% for first-time homebuyers on loans of 5 years or less and 2.6% for loans over 5 years, while second-time homebuyers will see rates of 2.525% and 3.075% respectively [2] Group 3: Real Estate Market Trends - According to the China Index Academy, the total land acquisition amount for the top 100 enterprises in 2025 is projected to be 964 billion yuan, reflecting a year-on-year increase of 3.9% [4] - The land acquisition trend shows a "high at the beginning and low at the end" pattern, with a significant increase of over 30% in the first three quarters, followed by a decrease in the fourth quarter due to reduced land auction activities [4] - The top ten land-acquiring companies include eight state-owned enterprises, while private companies like Binjiang, Bangtai, and Dahuaz are also making significant acquisitions [4] Group 4: Housing Price Trends - The average price of newly built residential properties in 100 cities is expected to rise by 2.58% in 2025, with quarterly increases of 0.52%, 0.64%, and 0.47% in the first three quarters [5] - In the fourth quarter, the accelerated market entry of high-end properties in core cities contributed to a cumulative price increase of 0.93% [5]

Group 1 - New regulations effective from January 1, 2026, aim to address public concerns and enhance development vitality, including subsidies for smart home products [1] - The new policy includes support for upgrading old equipment in various sectors such as elderly care and safety, as well as a focus on consumer goods trade-in programs for vehicles and home appliances [1] - The scope of subsidies for consumer goods has expanded to include digital and smart products, such as smartphones and smart home devices [1] Group 2 - Adjustments to housing loan rates will take effect on January 1, 2026, with a reduction of 0.25 percentage points for housing provident fund loans issued before May 8, 2025 [2] - The new rates for first-time homebuyers will be 2.1% for loans up to 5 years and 2.6% for loans over 5 years, while second-home loans will have rates starting at 2.525% [2] Group 3 - A new notification regarding kindergarten fee policies will be implemented on January 1, 2026, establishing government-guided pricing for non-profit kindergartens and market-regulated pricing for profit-oriented institutions [3] - The fee structure includes various charges such as education fees and accommodation fees, with specific guidelines for different types of kindergartens [3] Group 4 - New rules for the reduction of vehicle purchase tax for new energy vehicles will be in effect from January 1, 2026, allowing a 50% tax reduction with a maximum deduction of 15,000 yuan per vehicle [4] - The policy includes updated technical requirements for electric and hybrid vehicles to qualify for tax exemptions, emphasizing the need for certain electric range capabilities [4]

Group 1 - The National Development and Reform Commission and the Ministry of Finance announced a policy for large-scale equipment updates and consumer goods replacement in 2026, focusing on various sectors including public welfare, safety, and consumer infrastructure [1] - The policy includes subsidies for the replacement of old vehicles and household appliances, specifically targeting six categories such as refrigerators, washing machines, televisions, air conditioners, computers, and water heaters [1] - The scope of the new digital product subsidy has been expanded to include smartphones, tablets, smartwatches, smart glasses, and smart home products, including those designed for elderly care [1] Group 2 - The Ministry of Finance and the State Taxation Administration issued a notice regarding the value-added tax policy for personal housing sales, effective January 1, 2026, imposing a 3% tax on properties sold within two years of purchase and exempting those sold after two years [3] - For housing provident fund loans issued before May 8, 2025, the interest rate will be reduced by 0.25 percentage points starting January 1, 2026, with new rates set for first and second home loans [5] - A joint notice from the National Development and Reform Commission, the Ministry of Education, and the Ministry of Finance outlines the kindergarten fee policy effective January 1, 2026, establishing government-guided pricing for non-profit kindergartens and market-regulated pricing for for-profit institutions [6] Group 3 - The Ministry of Finance, the State Taxation Administration, and the Ministry of Industry and Information Technology announced a continuation and optimization of the tax exemption policy for new energy vehicles, reducing the vehicle purchase tax by half for purchases made between January 1, 2026, and December 31, 2027, with a maximum tax reduction of 15,000 yuan per vehicle [8] - The policy specifies that new energy vehicles must meet certain technical requirements to qualify for tax exemptions, including a minimum electric driving range for plug-in hybrid vehicles [8]

Group 1 - The National Development and Reform Commission and the Ministry of Finance announced a policy for large-scale equipment updates and consumer goods replacement starting in 2026, focusing on various sectors including old residential areas, safety equipment, and consumer infrastructure [1] - The policy includes subsidies for replacing old cars and household appliances, specifically targeting six categories: refrigerators, washing machines, televisions, air conditioners, computers, and water heaters, as well as expanding subsidies for digital and smart products [1] Group 2 - The Ministry of Finance and the State Taxation Administration issued a notice regarding the value-added tax policy for individuals selling residential properties, effective January 1, 2026, with a 3% tax rate for properties held for less than two years and exemption for those held for two years or more [2] Group 3 - For housing provident fund loans issued before May 8, 2025, the interest rates will be reduced by 0.25 percentage points starting January 1, 2026, with new rates set at 2.1% for loans under five years and 2.6% for loans over five years for first-time buyers [4] Group 4 - A joint notice from the National Development and Reform Commission, the Ministry of Education, and the Ministry of Finance outlines the kindergarten fee policy effective January 1, 2026, detailing the types of fees that can be charged and the pricing mechanisms for different types of kindergartens [6] Group 5 - The Ministry of Finance, the State Taxation Administration, and the Ministry of Industry and Information Technology announced a continuation and optimization of the vehicle purchase tax exemption policy for new energy vehicles, effective from January 1, 2026, with a tax reduction of up to 15,000 yuan per vehicle [7]

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, which will lower monthly payments for borrowers [1][4]. Summary by Category Interest Rate Adjustments - The interest rates for personal housing provident fund loans will be reduced by 0.25 percentage points. The new rates for first-time homebuyers will be 2.1% for loans of 5 years or less and 2.6% for loans over 5 years. 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 [1][3][6]. Financial Impact - For a family applying for a first-time housing provident fund loan of 1 million yuan with a 30-year term, the monthly payment will decrease from 4,135.57 yuan to 4,003.4 yuan, saving 132.17 yuan per month. The total interest paid over the loan term will also decrease from 488,800 yuan to 441,200 yuan, resulting in a total savings of 47,600 yuan [4][6]. Automatic Adjustment - The new interest rates will be applied automatically without the need for borrowers to submit a new application [3][4].

Core Viewpoint - The Tianshui Housing Provident Fund Management Center will suspend certain services for three days at the end of 2025 and will lower personal housing provident fund loan interest rates starting in 2026 [1] Group 1: Service Suspension - The center will suspend all online channels for housing provident fund business from December 29, 2025, 18:00 to December 31, 2025, 24:00 [1] - During this period, cash transaction services at physical counters will also be suspended on December 30 and 31, 2025 [1] - On December 31, 2025, the center will halt the appointment for early repayment of housing provident fund loans, although monthly repayment services will remain unaffected [1] Group 2: Interest Rate Adjustment - Starting January 1, 2026, the center will implement new interest rates for personal housing provident fund loans issued before May 8, 2025 [1] - For first-time homebuyers, the interest rate for loans of five years or less will be 2.1%, and for loans over five years, it will be 2.6% [1] - For second-time homebuyers, the interest rate for loans of five years or less will be 2.525%, and for loans over five years, it will be 3.075% [1]

Group 1: Housing Fund Loan Rate Adjustments - Beijing has announced a reduction in personal housing provident fund loan rates effective from May 8, 2025, with first-time home loan rates set at 2.1% for loans up to 5 years and 2.6% for loans over 5 years [1] - Guangzhou will also lower its personal housing provident fund loan rates by 0.25 percentage points starting May 8, 2025, aligning with the new rates of 2.1% for loans up to 5 years and 2.6% for loans over 5 years for first-time buyers [2] - In Henan, the housing provident fund loan rates will be reduced by 0.25 percentage points, with first-time home loan rates adjusted to 2.1% for loans up to 5 years and 2.6% for loans over 5 years [3] - Qingdao has similarly announced a 0.25 percentage point reduction in personal housing provident fund loan rates, effective from May 8, 2025, with the same rates as those in Beijing and Guangzhou for first-time home buyers [4] Group 2: Sunac China Sales Performance - Sunac China reported a contract sales amount of approximately 1.1 billion yuan in April, with a total sales area of about 85,000 square meters and an average contract sales price of approximately 12,900 yuan per square meter [5]