Multiple Banks Announce Mortgage Rate Cuts, Seen as Positive for Stimulating Consumption 多家银行集中官宣调降存量房贷利率，机构认为对于刺激消费有积极作用 Recently, several banks have announced a reduction in existing mortgage rates, benefiting around 50 million borrowers. 近日，多家银行宣布将调降存量房贷利率，以惠及约5000万借款人。 According to the People's Bank of China, this move is expected to save borrowers about 150 billion yuan in interest annually. 根据人民银行的测算，此举每年将为借款人降低利息支出约1500亿元。 Banks like the Industrial and Commercial Bank of China, Bank of Communications, and others have released FAQs and timelines for these rate adjustments. 工商银行、交通银行、招商银行等银行纷纷公布了房贷利率调整的常见问答及具体时间表。 The adjustments cover both first and second home loans, reducing rates above LPR-30BP. 此次调整覆盖首套房和二套房贷款，所有高于LPR-30BP的房贷利率均将被统一调低。 Analysts believe this measure will positively impact consumption and boost market confidence. 机构分析认为，此次措施对刺激消费和增强市场信心具有积极的推动作用。