房贷利率，即将生变，还没买房的人高兴了！

Group 1 - The Federal Reserve is expected to restart interest rate cuts in September, which may lead to a decrease in China's LPR (Loan Prime Rate) on September 22, benefiting homebuyers by lowering borrowing costs [1][11] - Recent employment data in the U.S. shows a significant drop in non-farm payrolls, with July's increase at only 73,000, well below the expected 104,000, raising concerns about a potential recession [4][6] - The market anticipates a high probability of a rate cut by the Federal Reserve in September, with discussions around whether it will be a 25 or 50 basis point cut [6][12] Group 2 - The current LPR rates are 3.00% for 1-year loans and 3.50% for 5-year loans, reflecting a trend of declining interest rates in recent years [9][8] - There is an expectation that domestic LPR could see a reduction of over 10 basis points by the end of the year, with potential cuts in September and December [11][12] - Projections suggest that by 2026, there may be significant room for further cuts in China's LPR, potentially exceeding 150 basis points, which would ease the burden of mortgage interest for homebuyers [12]