网友建议房贷利率降至0遭银行人士反驳

Group 1 - The article discusses the implications of lowering mortgage interest rates to zero, highlighting that such a move is not feasible due to the need for banks to cover operational costs [1] - It emphasizes that loans are derived from deposits, and if deposits do not earn interest, it may discourage individuals from saving [1] - The commentary suggests that banks require a sustainable business model to pay their employees and maintain operations, indicating the importance of interest rates in the banking ecosystem [1]