上周，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称，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。 随后，包括北上广深在内的多个城市发布通知，从8日起下调个 人住房公积金贷款利率。 刚刚过去的周末，公积金新政明显提振了市场活跃度。 以深圳市场为例，深圳中原研究中心公布的数据显示，公积金新政后首个周末（5月10日至11日），深圳 新房住宅成交152套，二手住宅成交128套。与此同时，刚刚过去的周末中原二手房带看量较前一周上涨 53%。深圳乐有家研究中心数据显示，公积金新政有效降低购房成本，促进市场活跃度提升，政策落地后 首个周末客户作决定速度加快，上周日乐有家门店二手房签约量相较"五一"均值上涨35%。 深圳市房地产中介协会公布的数据则显示，上周深圳二手房（含自助）录得量为1407套（录得量系指深房 中协以二手房买卖合同发起时间为口径统计的数据），环比上涨106.6%。记者也对多位深圳购房者进行采 访，发现越来越多的购房者特别是刚需购房者，选择公积金贷款或者公积金和商业的"组合贷"，而且都希 望公积金的贷款额度能够进一步提高。 转载与合作可联系证券时报小助理，微信ID：Secu ...

Core Viewpoint - The recent reduction in personal housing provident fund loan interest rates by the People's Bank of China is expected to significantly boost market activity and stimulate housing demand across major cities, particularly in Shenzhen and Wuhan [1][2][3] Group 1: Policy Changes - The People's Bank of China announced a 0.25 percentage point reduction in personal housing provident fund loan interest rates effective from May 8, 2025, which has prompted several cities, including Shenzhen, to follow suit [1] - The overall direction of recent housing provident fund policy adjustments is to increase loan limits, lower withdrawal and loan thresholds, and expand the applicability of the fund [2] Group 2: Market Impact - In Shenzhen, the first weekend following the new policy saw new home transactions reach 152 units and second-hand home transactions at 128 units, indicating a notable increase in market activity [1] - The number of second-hand home viewings in Shenzhen increased by 53% compared to the previous week, reflecting heightened buyer interest [1] - The volume of second-hand home transactions in Shenzhen rose by 106.6% week-on-week, with many buyers opting for provident fund loans or a combination of provident and commercial loans [1][2] Group 3: Regional Insights - In Wuhan, the combination of the recent loan rate reduction and previously introduced housing policies has led to a significant increase in new home transactions, with daily sales reaching 257 and 243 units on May 8 and 9, respectively, marking increases of 213% and 74% year-on-year [2] - The local characteristics of the housing provident fund, combined with low interest rates, cater well to the needs of first-time buyers and those looking to upgrade their housing [3] Group 4: Market Sentiment - Experts believe that the interest rate cut will significantly enhance market confidence and positively impact housing demand, with expectations of continued recovery in the real estate market throughout May [3]