LPR、六大行存款挂牌利率齐降！ 100万房贷少还1.95万，1年期定存利率降至0.95%

Core Points - The People's Bank of China has lowered the Loan Prime Rate (LPR) by 10 basis points, with the 1-year LPR now at 3.00% and the 5-year LPR at 3.50% [2][5] - Major banks have collectively reduced their deposit rates, with the interest rate for demand deposits dropping to 0.05% and the 1-year deposit rate falling below 1% to 0.95% [9][12] - The reduction in LPR is expected to lower monthly mortgage payments, with a decrease of approximately 54 yuan for a 1 million yuan loan over 30 years [8][4] Loan Market - The recent LPR adjustment was anticipated following a series of financial policies announced by the central bank [4] - The LPR reduction is aimed at supporting the real economy and stabilizing the banking sector's profitability by maintaining net interest margins [3][13] Deposit Market - The adjustment in deposit rates marks the first significant change in 2025, with various term deposit rates also being lowered [9][12] - The new rates for term deposits include 0.65% for 3-month deposits, 0.85% for 6-month deposits, and 1.05% for 2-year deposits [11][12] Economic Context - The LPR cut is a response to external economic pressures, particularly the escalation of the US-China trade conflict, necessitating increased counter-cyclical adjustments to stabilize economic performance [8][14] - Analysts predict that further monetary easing may occur later in the year if domestic economic growth remains under pressure [13][14]