突发！新一轮房贷利率即将下调~

Group 1 - The Federal Reserve announced a 25 basis point interest rate cut, lowering the target range for the federal funds rate to 3.75% to 4.00%, marking the fifth cut since September 2024 [1] - The interest rate cut is expected to accelerate the inflow of international capital into the Chinese market, boosting market confidence and supporting asset prices, which will benefit the stock market and the real economy [3] - The recent appreciation of the Renminbi against the US dollar, reaching a midpoint of 7.0881, may lead to cheaper import prices and reduced costs for overseas shopping and studying [4] Group 2 - The Loan Prime Rate (LPR) has remained stable for five consecutive months, but the Fed's rate cut may create conditions for a potential reduction in the LPR in the fourth quarter, leading to lower loan interest rates [5][8] - Major institutions are optimistic about the possibility of rate cuts, with predictions of 1-2 cuts totaling 20-30 basis points and a potential 50 basis point reserve requirement ratio cut [9] - A reduction in loan rates will alleviate mortgage pressure for new homebuyers and those with floating-rate mortgages, making car loans and consumer loans more affordable [10] Group 3 - Recent adjustments in deposit rates by small and medium-sized banks have lowered their funding costs, creating conditions for subsequent reductions in loan rates, including the LPR [11] - In Hefei, if the LPR is cut in the fourth quarter, commercial mortgage rates may also decrease, although there is a possibility they may remain unchanged due to adjustments in the spread [12]