9月LPR维持不变：1年期3％，5年期以上3.5％｜快讯

Core Viewpoint - The People's Bank of China has maintained the LPR rates for both 1-year and 5-year terms at 3.0% and 3.5% respectively for four consecutive months, aligning with market expectations [2] Group 1: LPR Rates - The 1-year LPR remains at 3.0% and the 5-year LPR at 3.5%, unchanged for four months [2] - The stability in policy rates, particularly the central bank's 7-day reverse repurchase rate, indicates no changes in the pricing basis for LPR this month [2] Group 2: Future Expectations - Industry experts anticipate a potential new round of interest rate cuts and reserve requirement ratio reductions in the fourth quarter, which may lead to a decrease in LPR rates [2] - A significant reduction in loan rates for enterprises and residents is expected, aimed at stimulating internal financing demand and promoting consumption and investment [2] - There is an expectation for stronger policies to stabilize the real estate market, potentially leading to a more substantial decrease in residential mortgage rates through targeted adjustments to the 5-year LPR [2]