Group 1 - The Loan Prime Rate (LPR) for both 1-year and 5-year terms remains unchanged at 3.0% and 3.5% respectively for the eighth consecutive month, indicating stability in the lending market [2] - The stability in LPR is attributed to the unchanged policy rates and stable medium to long-term market interest rates, which have limited the motivation for banks to lower LPR quotes [2] - The People's Bank of China (PBOC) has implemented a structural "rate cut" by reducing the re-lending and re-discount rates by 0.25 percentage points, effective January 19 [3] Group 2 - The minimum down payment ratio for commercial property loans has been adjusted to not less than 30% [3] - Industry experts anticipate potential downward pressure on the economy in the second quarter due to the impact of high tariffs on global trade and exports, which may lead to comprehensive counter-cyclical adjustment policies [3]
连续第八个月“按兵不动”，1月LPR1年期报3％，5年期以上报3.5％｜快讯
Hua Xia Shi Bao·2026-01-20 03:16