正文：
据中新网海口5月18日电（记者 王子谦），海南省住房公积金管理局于17日晚发布通知，根据中国人民银行《关于下调个人住房公积金贷款利率的通知》，自5月18日起，下调个人住房公积金贷款利率0.25个百分点。这一调整旨在进一步发挥住房公积金在支持住房消费、促进房地产市场平稳健康发展中的作用，更好地满足岛内职工的住房需求。
此次下调的贷款利率适用于首套个人住房公积金贷款，利率由原来的3.25%下调至3.00%，二套个人住房公积金贷款利率维持不变。此举将有效降低岛内购房者的贷款成本，增强职工利用住房公积金贷款购房的能力。
近年来，海南省积极落实国家关于房地产市场调控的政策，坚持房子是用来住的、不是用来炒的定位，推动房地产市场平稳健康发展。此次调整个人住房公积金贷款利率，是海南省进一步优化住房公积金政策、支持职工住房消费的重要举措。
根据海南省住房公积金管理局的数据，此次调整将惠及岛内大量使用住房公积金贷款购房的职工。以一套贷款金额为100万元的房子为例，贷款期限为30年，采用等额本息还款方式，职工每月还款额将减少约88元，整个贷款期间将减少利息支出2.65万元。
海南省住房公积金管理局表示，未来将继续深化住房公积金制度改革，进一步发挥住房公积金在支持职工住房消费、促进房地产市场平稳健康发展中的作用，为职工提供更加便捷、高效的住房公积金服务。
此次个人住房公积金贷款利率的调整，是海南省积极响应国家关于稳定房地产市场发展的号召，进一步优化住房公积金政策的具体行动。相信这将有助于降低岛内购房者的购房成本，激发住房消费潜力，推动海南省房地产市场的平稳健康发展。
英语如下：
**Headline:** **Hainan Reduces Mortgage Interest Rate for Provident Fund**
Keywords: Hainan, Provident Fund, Interest Rate Reduction.
**News Content:**
Title: Hainan reduces personal provident fund mortgage interest rate to assist homebuyers on the island
Body:
According to a report from China News Service Haikou on May 18th (by journalist Wang Ziqian), the Hainan Provincial Provident Fund Administration Bureau issued a notice late on the 17th that, effective May 18th, the interest rate for personal provident fund mortgages will be reduced by 0.25 percentage points, in accordance with the People’s Bank of China’s “Notice on Reducing Personal Provident Fund Mortgage Interest Rates.” This adjustment aims to further leverage the role of provident funds in supporting housing consumption and promoting the stable and healthy development of the real estate market, better meeting the housing needs of workers on the island.
The reduced interest rate applies to the first-time personal provident fund mortgages, lowering the rate from the original 3.25% to 3.00%, while the interest rate for second-time mortgages remains unchanged. This move will effectively reduce the loan costs for homebuyers on the island, enhancing the ability of workers to use provident fund mortgages for housing purchases.
In recent years, Hainan Province has actively implemented the national policies on real estate market regulation, adhering to the position that housing is for living in, not for speculation, and promoting the stable and healthy development of the real estate market. This adjustment of personal provident fund mortgage interest rates is an important measure for Hainan to further optimize provident fund policies and support workers’ housing consumption.
According to data from the Hainan Provincial Provident Fund Administration Bureau, this adjustment will benefit a large number of workers using provident fund mortgages for housing purchases on the island. Taking a house with a loan amount of 1 million yuan as an example, with a loan term of 30 years and an amortized repayment method, workers will see their monthly repayments reduced by approximately 88 yuan, and their total interest expenses reduced by 26,500 yuan over the course of the loan.
The Hainan Provincial Provident Fund Administration Bureau stated that it will continue to deepen the reform of the provident fund system in the future, further leveraging the role of provident funds in supporting workers’ housing consumption and promoting the stable and healthy development of the real estate market, and providing workers with more convenient and efficient provident fund services.
This adjustment of personal provident fund mortgage interest rates is a specific action by Hainan Province to actively respond to the national call for stabilizing the development of the real estate market, and further optimize provident fund policies. It is believed that this will help reduce the housing costs for buyers on the island, stimulate housing consumption potential, and promote the stable and healthy development of Hainan’s real estate market.
【来源】http://www.chinanews.com/cj/2024/05-18/10218888.shtml
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