January 1 of every year is an important “repricing day” for many existing mortgages. Industry insiders generally believe that with the implementation of moderately loose monetary policies in 2025, there is still room for decline in mortgage interest rates. After interest rates on self-stock mortgages were officially lowered last year, many homebuyers have slowed down the pace of “early loan repayment.” A bank's personal loan manager said that since the second half of last year, the early loan repayment situation has improved. In particular, after interest rates on stock mortgages were decided to be lowered, the monthly amount of early loan repayment was further reduced. At the same time, the reduction in interest rates on stock mortgages will help reduce the arbitrage space for operating loans and reduce the risk of illegal use of operating loans. Some buyers also told the reporter that falling interest rates on mortgages will temporarily delay their early loan repayment plans. They may use their savings for financial management or investment, but they still hope that interest rates on mortgages will continue to be lowered. (Securities Times)