The Shanghai Provident Fund Management Center said that according to the notice, unexpired personal housing fund loans issued before May 8, 2025 will be subject to adjusted interest rates starting January 1, 2026. After the adjustment, the interest rates for the first set of personal housing provident fund loans under 5 years and 5 years were 2.1% and 2.6%, respectively, and the interest rates for the second set of personal housing provident fund loans under 5 years and above were 2.525% and 3.075%, respectively. The city will make uniform batch cuts starting January 1, 2026, and there is no need for borrowers to apply.

The Shanghai Provident Fund Management Center said that according to the notice, unexpired personal housing fund loans issued before May 8, 2025 will be subject to adjusted interest rates starting January 1, 2026. After the adjustment, the interest rates for the first set of personal housing provident fund loans under 5 years and 5 years were 2.1% and 2.6%, respectively, and the interest rates for the second set of personal housing provident fund loans under 5 years and above were 2.525% and 3.075%, respectively. The city will make uniform batch cuts starting January 1, 2026, and there is no need for borrowers to apply.