Group 1 - The People's Bank of China announced a decrease in the Loan Prime Rate (LPR) by 10 basis points for both the 1-year and 5-year terms, bringing them to 3.0% and 3.5% respectively, signaling a policy aimed at stabilizing growth and promoting development [1] - The reduction in LPR is expected to lower the overall financing costs in the market, stimulate credit demand, and encourage corporate investment, thereby enhancing financial support for the real economy [1] - The decrease in the 5-year LPR will alleviate the interest burden for mortgage borrowers, potentially saving them over 500 yuan monthly on a 1 million yuan mortgage over 30 years, totaling nearly 20,000 yuan in interest savings [1] Group 2 - In March, the average new mortgage rate was 3.13%, down 0.56 percentage points year-on-year, indicating a historical low and further easing the interest burden on existing mortgage borrowers [2] - The simultaneous decrease in LPR and deposit rates reflects the effective functioning of the market-oriented adjustment mechanism for deposit rates, enhancing the pricing capabilities of commercial banks [2] - The reduction in deposit rates is a strategic move by banks based on market interest trends and supply-demand dynamics, aimed at improving financial services for the real economy and supporting economic recovery [2]
贷款市场报价利率下降十个基点 金融支持实体经济力度加大
Ren Min Ri Bao·2025-05-20 21:39