广州首套房贷利率逆势上调10BP？尚存在不确定性

Group 1 - The LPR (Loan Prime Rate) is trending downward, yet there are indications that mortgage rates may be increased, with reports of first-home mortgage rates in Guangzhou rising by 10 basis points to 3.1% [1][2] - There is uncertainty regarding the mortgage rate adjustments, as some mortgage intermediaries have confirmed the increase, while others await official notifications from banks [1][2] - The People's Bank of China announced a reduction in policy rates, which is expected to lead to a corresponding decrease in the LPR by approximately 0.1 percentage points [1] Group 2 - If the LPR is reduced by 10 basis points, it could result in mortgage rates in several cities dropping to the "2" range, with a potential rate of 2.9% in Guangzhou if the current discount remains [2] - Maintaining a mortgage rate at or above 3% is crucial for banks, as rates below this threshold could lead to unprofitable mortgage operations [2] - Following a previous LPR reduction in July of last year, Guangzhou saw extremely low mortgage rates, with some banks offering rates as low as 2.6%, which was below the public fund rate [3]