These days, it seems that there is a lot of talk about interest rates gradually moving towards a lower direction.

With high interest rates lasting too long, many people are exhausted by loan interest, and the economy itself is not as solid as it used to be, making it a burden for the Federal Reserve to maintain high rates indefinitely.

However, it is difficult to expect a sudden drop right away.

Inflation, or prices, have not yet stabilized completely, and if rates are lowered too quickly, it could create another bubble in the real estate or stock market. Such bubbles could ultimately lead to a larger crisis, which is why the Federal Reserve must be cautious.

So, the general sentiment I hear around me is as follows.

By around 2025, there is a high possibility that rates will be lower than now, but it is unlikely that we will return to the ultra-low rates of 2-3%. Instead, the policy will likely aim to stabilize at a 'medium level', trying to support the economy while also controlling prices.

In other words, a gradual and slow reduction seems reasonable. For example, starting to lower rates slowly from 2024, and by 2025, settling at a much more comfortable level than now. This approach is considered the most realistic scenario.

Of course, this is just a prediction. The economy has many variables, and if an unexpected event occurs, the flow could change entirely. Therefore, what we can do is to keep a close eye on interest rate trends and not overextend ourselves when planning loans or investments.

In conclusion, "there is a high possibility of a decrease, but how much it will drop is uncertain." From my perspective, I hope for a relaxation that allows for a bit more breathing room, even if it doesn't surprise me by dropping significantly.

Ultimately, by 2025, we will need to watch how the situation actually unfolds and act wisely.

We should avoid regretting taking on debt unnecessarily.