Group 1 - The core point of the article is that the Loan Prime Rate (LPR) for both 1-year and 5-year terms remains unchanged at 3.0% and 3.5% respectively as of November 20, 2025, indicating stable mortgage rates [1] - Many homeowners had high expectations for a decrease in LPR in November, as the LPR trend directly affects their monthly mortgage payments [3] - In 2024, the cumulative reduction in the 5-year LPR reached 60 basis points over three rounds of interest rate cuts [4] Group 2 - The frequency and magnitude of LPR cuts this year have been notably low, with only a 10 basis point reduction in May and no further changes since then [5] - The probability of a rate cut in December has significantly decreased, as consumer prices appear to have exited the deflationary zone, with October's CPI and PPI both showing increases [6] - The central bank is becoming more cautious about monetary easing, with plans to refine the interest rate adjustment framework and enhance the transmission mechanism of market-based interest rates [7]
刚刚，LPR公布！今年不会下调了？
Sou Hu Cai Jing·2025-11-20 03:00