唉！2025年最后一个月，lpr还是没降…

Group 1 - The core viewpoint indicates that the LPR (Loan Prime Rate) is expected to be frequently adjusted downward before early 2025, influenced by the "prepayment wave" and global interest rate trends [3] - The LPR has remained unchanged for seven consecutive months since May, despite high expectations for a reduction [3] - There is a strong anticipation for a rate cut in the domestic market, aligning with global trends, especially following the recent 25 basis point cut by the Federal Reserve, bringing the target range to 3.75%-4% [3] Group 2 - A potential wave of interest rate cuts or reserve requirement ratio reductions is anticipated before the upcoming "Two Sessions" in 2024, aimed at boosting confidence in the economy [5] - The primary task for the government is to stabilize the economy, as indicated by high-level directives [5] - Borrowers with mortgages are encouraged to maintain faith in the eventual arrival of interest rate cuts, despite the current stagnation in LPR adjustments [5]