LPR迎来年内首降 百万房贷可省利息2万余元

Group 1 - The People's Bank of China announced a reduction in the 1-year LPR to 3% and the 5-year LPR to 3.5%, both down by 10 basis points, marking the first decline this year, signaling a clear intention to stabilize the market and expectations [1] - The adjustment of LPR is expected to lower loan interest rates, which will directly impact borrowing costs for consumers and businesses [1] - Prior to this adjustment, the mortgage rates for first-time homebuyers in Beijing were 3.15%, while second-home buyers faced rates of 3.55% within the Fifth Ring Road and 3.35% outside it [1] Group 2 - A rough estimate indicates that a 10 basis point decrease in the 5-year LPR could reduce monthly interest payments by over 50 yuan for a 1 million yuan loan over 30 years, saving borrowers over 20,000 yuan in total interest [2] - The decline in deposit rates is beneficial for maintaining the stability of commercial banks' net interest margins, enhancing the sustainability of financial support for the real economy [2] - The simultaneous decline of LPR and deposit rates is expected to further lower financing costs for enterprises and residents, stimulating demand for financing, promoting consumption, and expanding investment, thereby contributing to economic recovery [2]