5月8日，个人住房公积金贷款利率再迎下调，幅度为0.25个百分点。在政策利好释放后，购房者对于存 量房贷利率的调整讨论纷纷，一位网名为"微笑青春"的网友表达了自己的困惑："商贷都可以选择3个月 调整1次，为什么公积金贷款利率不可以3个月调整1次？非得等到来年的1月1日才调整？"实际上，二者 在利率调整机制上的差异，与它们的市场定位、定价依据以及运作模式有很大关系。 ...

Core Viewpoint - The adjustment of the personal housing provident fund loan interest rate, which was reduced by 0.25 percentage points on May 8, raises questions about why it will not be adjusted again until January 1 of the following year, unlike commercial loans that can be adjusted every three months [1] Group 1 - The difference in interest rate adjustment mechanisms between housing provident fund loans and commercial loans is attributed to their market positioning, pricing basis, and operational models [1] - Housing provident fund loans offer stronger policy protection and have significantly lower interest rates compared to commercial housing loans, providing a low-cost home purchasing option for buyers [1] - Frequent adjustments to the provident fund loan interest rates could undermine its protective and welfare functions, potentially causing unnecessary burdens for contributors [1]