下调存量房贷利率，可能已开始倒计时了...

Group 1 - The article discusses the potential for a decrease in mortgage rates as various banks have recently lowered deposit rates, which may indirectly lead to lower loan rates [2][4][9] - Several small and medium-sized banks have reduced deposit rates by 10-20 basis points, following the lead of major commercial banks, to alleviate the pressure on net interest margins [4][5][12] - In major cities like Beijing and Shanghai, mortgage rates have reached historical lows, with first-home loan rates dropping to 3.05% [10][11][12] Group 2 - The article highlights the necessity for a reasonable reduction in interest rates due to ongoing pressure in the real estate market, with significant declines in sales figures reported [21][22][24] - The need for new stimulus policies is emphasized, as recent measures have not yet shown a significant impact on market recovery [21][23][24] - The article suggests that reducing the debt burden on residents could stimulate consumption, which is crucial for economic recovery [28][30][32] Group 3 - The article notes that external factors, such as potential interest rate cuts by the Federal Reserve, could provide more room for domestic monetary policy adjustments [34][37][39] - Recent global trends show other central banks, including those in the UK and Australia, have also lowered interest rates, which may influence China's monetary policy [39][40] - The article suggests that the current environment is conducive to further monetary easing, with signals indicating a possible shift towards lower rates [39][40][63] Group 4 - The article proposes that to effectively stimulate the real estate market, transaction costs should be reduced across the board, benefiting both new and second-hand housing markets [41][42][46] - It emphasizes the importance of addressing inventory issues in the real estate sector, as high inventory levels continue to hinder market liquidity [53][58][60] - The article suggests that government intervention, such as repurchasing existing homes for public use, could be an effective strategy to stabilize the market and reduce inventory [61][62][66]