低利率时代，提前还房贷是"省钱"还是"亏钱"？ 2025年，房贷利率跌破3%的消息引发全民热议，无数购房者，尤其是90后，为是否提前还贷而辗转反侧。银行内部人士却指出，利率下调并非提前还贷的 必然选择，决策前需谨慎评估自身情况。 事实是，房贷利率下探至3%以下，并非拍脑袋决定，而是中国经济发展到特定阶段的必然结果。数据显示，2025年6月全国首套房贷平均利率已降至 2.95%，二套房平均利率为3.25%，较2022年高点下降了1.76个百分点。以北京王先生为例，其2021年购房时贷款利率高达5.2%，如今已连续两次下调至 3.15%，每月可节省近1900元。截至2025年，全国78.3%以上的存量房贷已完成利率重定价，平均每户每年节省房贷支出约1.54万元。 自2024年四季度起，中国正式步入低利率时代，预计至2030年，房贷利率将长期稳定在3%左右。对比来看，美国30年期固定利率房贷为6.17%，日本约为 1.5%，德国为3.6%。中国房贷利率正逐步与发达国家水平接轨。 提前还贷的利弊权衡： 低利率环境下，提前还贷是否必要？这需要具体问题具体分析。结合最新银行政策及经济形势，我们可从以下几种情况进行考量： ...

Financial Performance - The company reported net income of $13.9 million, or $0.82 per diluted share, for Q1 2025, an increase from $7.5 million, or $0.45 per diluted share, in Q4 2024, and $6.6 million, or $0.47 per diluted share, in Q1 2024 [4][10] - Core net income for Q1 2025 was $14.9 million, or $0.88 per diluted share, compared to $15.5 million, or $0.92 per diluted share in Q4 2024 [4][10] - Return on average assets (ROA) was 1.75%, and return on average equity (ROE) was 15.56% for Q1 2025, compared to 0.96% and 8.50% respectively in Q4 2024 [24][41] Balance Sheet Highlights - Total assets increased to $3.3 billion at March 31, 2025, up $142.9 million, or 18.1% (annualized), from December 31, 2024 [17] - Total deposits grew to $2.89 billion, an increase of $129.4 million, or 19.0% (annualized), from Q4 2024 [18] - Gross loans increased by $48.2 million, or 7.4% (annualized), during Q1 2025, with a year-over-year growth of $713.9 million [5][18] Income and Expense Analysis - Net interest income for Q1 2025 was $46.0 million, an increase of $1.7 million, or 3.9% (not annualized), from Q4 2024, and $11.0 million, or 31.5%, year-over-year [11][41] - Noninterest income totaled $12.5 million, representing 21.4% of total revenue for Q1 2025, an increase of $0.6 million from Q4 2024 and $6.6 million from Q1 2024 [5][15] - Noninterest expense was $38.1 million, an increase of $0.5 million from Q4 2024 and $8.6 million from Q1 2024, primarily due to the acquisition of IFH [15][41] Credit Quality Metrics - The allowance for credit losses (ACL) coverage ratio was 1.81% at March 31, 2025, down 4 bps from Q4 2024 and up 32 bps year-over-year [21] - Nonperforming assets increased to 1.21% of total assets at March 31, 2025, compared to 0.94% at December 31, 2024 [22][31] - Total nonaccrual loans increased to $40.5 million at March 31, 2025, up from $30.2 million at December 31, 2024 [22][31] Capital and Liquidity - The company maintained a Common Equity Tier-1 capital ratio of 13.33% as of March 31, 2025, compared to 13.74% at December 31, 2024 [18] - Cash and cash equivalents increased to $294.0 million at March 31, 2025, up $88.7 million from December 31, 2024 [18] - The average portfolio loans-to-deposit ratio was 95.15% for Q1 2025, compared to 99.27% in Q4 2024 [18]