海南省住房公积金管理局于5月18日发布通知，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》，正式下调个人住房公积金贷款利率0.25个百分点。这一举措将为海南地区的购房者带来实实在在的减负效果，进一步发挥住房公积金在住房保障体系中的积极作用。
据悉，此次调整后，海南地区个人住房公积金贷款利率将降至更为优惠的水平。具体而言，5年以下（含5年）的贷款利率将从3.02%下调至2.77%，5年以上的贷款利率将从3.575%下调至3.325%。这一变化意味着，今后一段时间内，海南地区申请住房公积金贷款的购房者将享受到更为优惠的利率条件，降低购房成本。
住房公积金制度是我国特色的一项住房保障制度，旨在帮助职工解决住房问题。近年来，在国家宏观调控和房地产市场平稳健康发展的大背景下，住房公积金制度的作用愈发凸显。此次海南省住房公积金管理局下调贷款利率，是国家继续推动住房公积金制度发挥更大作用、助力购房者减轻负担的体现。
此次调整将进一步降低购房者的购房成本，对于提振市场信心、稳定房地产市场具有积极意义。同时，这也体现了住房公积金制度在住房保障体系中的重要作用，有助于实现住有所居的目标。未来，海南省住房公积金管理局将继续按照国家和地方的决策部署，不断完善住房公积金制度，为广大缴存职工提供更为优质、便捷的服务。
总之，海南下调个人住房公积金贷款利率将有助于减轻购房者负担，稳定房地产市场，发挥住房公积金在住房保障体系中的作用。在当前背景下，这一举措具有重要的现实意义，有望为海南地区的购房者带来实实在在的好处。
英语如下：
### News Title: **Hainan Drops Mortgage Interest Rate for Public Housing Fund**
Keywords: Hainan, Public Housing Fund, Interest Rate Reduction.
#### News Content:
**Title:** Hainan Reduces Personal Public Housing Fund Mortgage Interest Rate to Ease Burden on Home Buyers
The Hainan Provincial Public Housing Fund Management Bureau issued a notice on May 18th, implementing a 0.25-percentage-point reduction in the interest rate for personal public housing fund mortgages, in accordance with the People’s Bank of China’s notification on reducing personal public housing fund mortgage interest rates. This measure will bring tangible relief to homebuyers in the Hainan area and further enhance the positive role of the public housing fund in the housing security system.
It is understood that after this adjustment, the interest rate for personal public housing fund mortgages in Hainan will be reduced to a more favorable level. Specifically, the interest rate for loans with a term of less than or equal to 5 years will be reduced from 3.02% to 2.77%, and the interest rate for loans with a term of more than 5 years will be reduced from 3.575% to 3.325%. This change means that homebuyers applying for public housing fund mortgages in Hainan will enjoy more favorable interest rate conditions and reduced housing costs for a period of time to come.
The public housing fund system is a housing security system with Chinese characteristics, aimed at helping workers solve housing problems. In recent years, under the macro-control of the state and the steady and healthy development of the real estate market, the role of the public housing fund system has become increasingly prominent. The reduction in mortgage interest rates by the Hainan Provincial Public Housing Fund Management Bureau is a manifestation of the state’s continued efforts to enable the public housing fund system to play a greater role and ease the burden on homebuyers.
This adjustment will further reduce the housing costs for buyers and has positive implications for boosting market confidence and stabilizing the real estate market. At the same time, it demonstrates the important role of the public housing fund system in the housing security system, helping to achieve the goal of “having a place to live”. In the future, the Hainan Provincial Public Housing Fund Management Bureau will continue to implement the deployment and decisions of the state and localities, continuously improve the public housing fund system, and provide more high-quality and convenient services for the majority of contributors.
In summary, the reduction in the interest rate for personal public housing fund mortgages in Hainan will help ease the burden on homebuyers, stabilize the real estate market, and play a role in the housing security system. Against the current backdrop, this measure has significant practical significance and is expected to bring real benefits to homebuyers in the Hainan area.
【来源】http://www.chinanews.com/cj/2024/05-18/10218888.shtml
Views: 1