On the 17th, the People's Bank of China issued three notices in succession. Specifically, the lower limit of the interest rate policy for commercial personal housing loans for the first and second houses at the national level will be abolished; The interest rate of the first set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years will be adjusted to 2.35% and 2.85% respectively; The minimum down payment ratio is adjusted to not less than 15% for the first house and 25% for the second house. Subsequently, many places responded positively and lowered the interest rate of provident fund loans.
- Henan Province
On May 17, the Housing Fund Management Center of Henan Provincial Government issued the Notice on Reducing the Interest Rate of Personal Housing Provident Fund Loans. The interest rate of the first set of personal housing provident fund loans: the current 2.6% to 2.35% for a term of less than five years (including five years), and from the current 3.1% to 2.85% for a term of more than five years. The interest rate of the second set of personal housing provident fund loans: the current 3.025% to 2.775% for a term of less than five years (including five years), and the current 3.575% to 3.325% for a term of more than five years.
In addition, Zhengzhou, Luoyang, Kaifeng, Xinyang and other places also issued news that night to clearly reduce the interest rate of personal housing provident fund loans.
- Jiangxi Province
The Jiangxi Provincial Housing Security and Provident Fund Management Center issued a notice stating that on May 18, 2024, the interest rate on personal housing provident fund loans will be lowered by 0.25 percentage points. The interest rate of the first set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years will be adjusted to 2.35% and 2.85% respectively. The interest rate of the second set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years will be adjusted to not less than 2.775% and 3.325% respectively.
- Hubei Province
Since May 18, 17 cities and prefectures in Hubei Province have all lowered the interest rate of personal housing provident fund loans. The details are as follows: the interest rate of the first set of personal housing provident fund loans for less than 5 years (including 5 years) will be reduced from 2.6% to 2.35%, and the interest rate of the first set of personal housing provident fund loans for more than 5 years will be reduced from 3.1% to 2.85%; The interest rate of the second set of personal housing provident fund loans for less than 5 years (including 5 years) has been reduced from 3.025% to 2.775%, and the interest rate of the second set of personal housing provident fund loans for more than 5 years has been reduced from 3.575% to 3.325%.
- Shanghai
Shanghai Provident Fund announced that from May 18, 2024, the interest rate of the first set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years will be reduced to 2.35% and 2.85% respectively, and the interest rates of the second set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years will be reduced to 2.775% and 3.325% respectively.
- Chengdu, Sichuan Province
Chengdu Housing Provident Fund issued that according to the notice of the People's Bank of China on May 17, 2024 on reducing the interest rate of personal housing provident fund loans, from May 18, 2024, the interest rate of personal housing provident fund loans will be reduced by 0.25 percentage points, and the interest rates of the first set of personal housing provident fund loans below 5 years (including 5 years) and more than 5 years will be adjusted to 2.35% and 2.85% respectively. The interest rate of the second set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years will be adjusted to not less than 2.775% and 3.325% respectively.
- Dalian City, Liaoning Province
Dalian Housing Provident Fund Management Center announced that the interest rate of personal housing provident fund loans was lowered by 0.25 percentage points, and the interest rates of the first set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years were adjusted to 2.35% and 2.85% respectively. The interest rates for the second set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years are adjusted to 2.775% and 3.325% respectively.
Source: CCTV Finance Editor: Ruowen Editor: Lai Ting Review: Lu Hongmei
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