渭南市住房公积金贷款利率下调4条热点问题答疑
<div class="wx_rich_media_content" id="jsWxContainer"><section style='letter-spacing: 1px; line-height: 2; background-position: 0% 0%; background-repeat: repeat-y; background-size: 100%; background-attachment: scroll;'><section style='justify-content: flex-start; display: flex; flex-flow: row; width: 100%; align-self: flex-start;'><section style='text-align: center;margin-top: 10px;margin-bottom: 20px;line-height: 0;pointer-events: none;width: 100%;'><section style='vertical-align: middle;display: inline-block;line-height: 0;pointer-events: none;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;'></span></section></section></section><p style='text-align: center;'></p><section style='justify-content: flex-start; display: flex; flex-flow: row; width: 100%; align-self: flex-start; background-size: 100%; background-repeat: no-repeat; background-position: 0% 0%; background-attachment: scroll;'><section style='text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;width: 100%;'><section style='display: inline-block;width: 88%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;border-bottom: 7px solid rgb(0, 76, 125);'><section style='text-align: justify;'><p><br></p></section><section style='text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-bottom: -15px;'><section style='display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;height: auto;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section><section style='display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 0 0 auto;min-width: 5%;height: auto;'><section style='text-align: right;font-size: 50px;color: rgb(0, 76, 125);line-height: 1;'><p><strong>01</strong></p></section></section></section><section style='display: flex;width: 100%;flex-flow: column nowrap;'><section style='z-index: 3;'><section style='margin-top: -21px;'><section style='text-align: justify;font-size: 24px;color: rgb(0, 76, 125);letter-spacing: 4px;'><p><strong>热点问题一</strong></p></section></section></section></section></section></section></section><p><br></p><section style='text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;'><section style='display: inline-block;width: 94%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;border-style: solid;border-width: 2px;border-color: rgb(0, 76, 125);padding: 8px;'><section style='text-align: left; justify-content: flex-start; display: flex; flex-flow: row; width: 100%; align-self: flex-start;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;width: 100%;'><section style='display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;padding-top: 12px;padding-right: 12px;padding-left: 12px;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-bottom: 15px;'><section style='display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 100 100 0%;background-color: rgb(211, 235, 255);height: auto;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;'><section style='display: inline-block;width: auto;vertical-align: middle;align-self: center;flex: 100 100 0%;height: auto;'><section style='margin-top: 5px;margin-bottom: 5px;'><section style='text-align: justify;font-size: 15px;color: rgb(0, 76, 125);padding-right: 5px;padding-left: 5px;line-height: 1.6;'><p><strong>目前住房公积金贷款利率是多少？为什么我的没有变动呢？</strong></p></section></section></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 50px;align-self: flex-end;flex: 0 0 auto;height: auto;margin-left: -50px;'><section style='text-align: center;line-height: 0;'><section style='vertical-align: middle;display: inline-block;line-height: 0;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;'></span></section></section></section></section><section style='text-align: justify;color: rgb(0, 0, 0);letter-spacing: 2px;'><p style='text-indent: 2.2857em; margin-bottom: 10px;'>根据中国人民银行2025年5月7日《关于下调个人住房公积金贷款利率的通知》要求，目前，首套个人住房公积金贷款<span style='color: rgb(138, 197, 255);'><strong>5年以下（含5年）</strong></span>利率为2.1%，<strong><span style='color: rgb(138, 197, 255);'>5年以上</span></strong>利率为2.6%；第二套个人住房公积金贷款<strong><span style='color: rgb(138, 197, 255);'>5年以下（含5年）</span></strong>利率为2.525%，<strong><span style='color: rgb(138, 197, 255);'>5年以上</span></strong>利率为3.075%。<br></p><p style='text-indent: 2.2857em;'>对于2025年5月8日前已经发放的个人住房公积金贷款，贷款期限在1年以上的，自2026年1月1日起执行调整后的利率标准。</p></section><section style='text-align: justify;'><p><br></p></section></section></section></section></section></section><p><br></p><p><br></p><section style='justify-content: flex-start; display: flex; flex-flow: row; width: 100%; align-self: flex-start; background-size: 100%; background-repeat: no-repeat; background-position: 0% 0%; background-attachment: scroll;'><section style='text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;width: 100%;'><section style='display: inline-block;width: 88%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;border-bottom: 7px solid rgb(0, 76, 125);'><section style='text-align: justify;'><p><br></p></section><section style='text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-bottom: -15px;'><section style='display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;height: auto;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section><section style='display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 0 0 auto;min-width: 5%;height: auto;'><section style='text-align: right;font-size: 50px;color: rgb(0, 76, 125);line-height: 1;'><p><strong>02</strong></p></section></section></section><section style='display: flex;width: 100%;flex-flow: column nowrap;'><section style='z-index: 3;'><section style='margin-top: -21px;'><section style='text-align: justify;font-size: 24px;color: rgb(0, 76, 125);letter-spacing: 4px;'><p><strong>热点问题二</strong></p></section></section></section></section></section></section></section><p><br></p><section style='text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;'><section style='display: inline-block;width: 94%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;border-style: solid;border-width: 2px;border-color: rgb(0, 76, 125);padding: 8px;'><section style='text-align: left; justify-content: flex-start; display: flex; flex-flow: row; width: 100%; align-self: flex-start;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;width: 100%;'><section style='display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;padding-top: 12px;padding-right: 12px;padding-left: 12px;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-bottom: 15px;'><section style='display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 100 100 0%;background-color: rgb(211, 235, 255);height: auto;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;'><section style='display: inline-block;width: auto;vertical-align: middle;align-self: center;flex: 100 100 0%;height: auto;'><section style='margin-top: 5px;margin-bottom: 5px;'><section style='text-align: justify;font-size: 15px;color: rgb(0, 76, 125);padding-right: 5px;padding-left: 5px;line-height: 1.6;'><p><strong>政策调整后利率具体有什么变化？</strong></p></section></section></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 50px;align-self: flex-end;flex: 0 0 auto;height: auto;margin-left: -50px;'><section style='text-align: center;line-height: 0;'><section style='vertical-align: middle;display: inline-block;line-height: 0;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;'></span></section></section></section></section><section style='text-align: center;margin-top: 10px;margin-bottom: 15px;line-height: 0;'><section style='vertical-align: middle;display: inline-block;line-height: 0;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;'></span></section></section></section></section></section></section></section><p><br></p><section style='justify-content: flex-start; display: flex; flex-flow: row; width: 100%; align-self: flex-start; background-size: 100%; background-repeat: no-repeat; background-position: 0% 0%; background-attachment: scroll;'><section style='text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;width: 100%;'><section style='display: inline-block;width: 88%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;border-bottom: 7px solid rgb(0, 76, 125);'><section style='text-align: justify;'><p><br></p></section><section style='text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-bottom: -15px;'><section style='display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;height: auto;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section><section style='display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 0 0 auto;min-width: 5%;height: auto;'><section style='text-align: right;font-size: 50px;color: rgb(0, 76, 125);line-height: 1;'><p><strong>03</strong></p></section></section></section><section style='display: flex;width: 100%;flex-flow: column nowrap;'><section style='z-index: 3;'><section style='margin-top: -21px;'><section style='text-align: justify;font-size: 24px;color: rgb(0, 76, 125);letter-spacing: 4px;'><p><strong>热点问题三</strong></p></section></section></section></section></section></section></section><p><br></p><section style='text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;'><section style='display: inline-block;width: 94%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;border-style: solid;border-width: 2px;border-color: rgb(0, 76, 125);padding: 8px;'><section style='text-align: left; justify-content: flex-start; display: flex; flex-flow: row; width: 100%; align-self: flex-start;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;width: 100%;'><section style='display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;padding-top: 12px;padding-right: 12px;padding-left: 12px;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-bottom: 15px;'><section style='display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 100 100 0%;background-color: rgb(211, 235, 255);height: auto;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;'><section style='display: inline-block;width: auto;vertical-align: middle;align-self: center;flex: 100 100 0%;height: auto;'><section style='margin-top: 5px;margin-bottom: 5px;'><section style='text-align: justify;font-size: 15px;color: rgb(0, 76, 125);padding-right: 5px;padding-left: 5px;line-height: 1.6;'><p><strong>公积金住房贷款利率下调，是否需要本人到现场办理，携带什么材料办理？</strong></p></section></section></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 50px;align-self: flex-end;flex: 0 0 auto;height: auto;margin-left: -50px;'><section style='text-align: center;line-height: 0;'><section style='vertical-align: middle;display: inline-block;line-height: 0;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;'></span></section></section></section></section><section style='text-align: justify;color: rgb(0, 0, 0);letter-spacing: 2px;'><p style='text-indent: 2.2857em; margin-bottom: 10px;'> 2025年5月8日前已经受理但未发放的个人住房公积金贷款，发放时执行调整后的利率标准。2025年5月8日前已经发放的个人住房公积金贷款，贷款期限在1年以上的，自2026年1月1日起执行调整后的利率标准。</p><p style='text-indent: 2.2857em;'>不需要本人办理，系统将自动调整到最新贷款利率。</p></section><section style='text-align: justify;'><p><br></p></section></section></section></section></section></section><p><br></p><section style='justify-content: flex-start; display: flex; flex-flow: row; width: 100%; align-self: flex-start; background-size: 100%; background-repeat: no-repeat; background-position: 0% 0%; background-attachment: scroll;'><section style='text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;width: 100%;'><section style='display: inline-block;width: 88%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;border-bottom: 7px solid rgb(0, 76, 125);'><section style='text-align: justify;'><p><br></p></section><section style='text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-bottom: -15px;'><section style='display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 100 100 0%;height: auto;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section><section style='display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 0 0 auto;min-width: 5%;height: auto;'><section style='text-align: right;font-size: 50px;color: rgb(0, 76, 125);line-height: 1;'><p><strong>04</strong></p></section></section></section><section style='display: flex;width: 100%;flex-flow: column nowrap;'><section style='z-index: 3;'><section style='margin-top: -21px;'><section style='text-align: justify;font-size: 24px;color: rgb(0, 76, 125);letter-spacing: 4px;'><p><strong>热点问题四</strong></p></section></section></section></section></section></section></section><p><br></p><section style='text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;'><section style='display: inline-block;width: 94%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;border-style: solid;border-width: 2px;border-color: rgb(0, 76, 125);padding: 8px;'><section style='text-align: left; justify-content: flex-start; display: flex; flex-flow: row; width: 100%; align-self: flex-start;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;width: 100%;'><section style='display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;padding-top: 12px;padding-right: 12px;padding-left: 12px;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-bottom: 15px;'><section style='display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 100 100 0%;background-color: rgb(211, 235, 255);height: auto;'><section style='justify-content: flex-start;display: flex;flex-flow: row nowrap;'><section style='display: inline-block;width: auto;vertical-align: middle;align-self: center;flex: 100 100 0%;height: auto;'><section style='margin-top: 5px;margin-bottom: 5px;'><section style='text-align: justify;font-size: 15px;color: rgb(0, 76, 125);padding-right: 5px;padding-left: 5px;line-height: 1.6;'><p><strong>利率调整后可减少多少负担？</strong></p></section></section></section></section></section><section style='display: inline-block;vertical-align: bottom;width: 50px;align-self: flex-end;flex: 0 0 auto;height: auto;margin-left: -50px;'><section style='text-align: center;line-height: 0;'><section style='vertical-align: middle;display: inline-block;line-height: 0;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;'></span></section></section></section></section><section style='text-align: justify;color: rgb(0, 0, 0);letter-spacing: 2px;'><p style='text-indent: 2.2857em;'>以一笔贷款额度100万元、期限30年、等额本息还款的首套个人住房公积金贷款为例，月供将由4136元降至4003元，减少约133元，总利息支出将减少约4.76万元。</p></section><section style='text-align: center;margin-top: 10px;margin-bottom: 10px;line-height: 0;'><section style='vertical-align: middle;display: inline-block;line-height: 0;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 100%;'></span></section></section><section style='text-align: justify;'><p><br></p></section></section></section></section></section></section><p style='text-align: center;'><font size="1">来源：渭南市住房公积金管理中心</font></p><p style='text-align: center;'><img src="https://www.yewn.cn/data/attachment/forum/202505/22/093834v0j0emw555y9ljvy.png"></p></section><p style='display: none;'><mp-style-type data-value="3"></mp-style-type></p></div> 没办法，房地产饱和过剩，品质换房毕竟是少数！ 住房公基金利率下调好事情…… 这下来省不少利息 再不贷款买房了 减轻老百姓房贷压力给力 利率下调了对有房贷的朋友是好消息 住房公基金利率下调好事情…… 减轻老百姓房贷压力 解答群众的疑问。
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