(双语）ASB、澳新银行在OCR决定后下调部分住房贷款利率

题图档案照片。照片：RNZ / Marika Khabazi

Major banks ASB and ANZ are cutting some home lending rates today.
主要银行ASB和ANZ今天正在下调一些住房贷款利率。

Last week’s Official Cash Rate (OCR) decision and market responses to that have influenced today’s move.
上周的官方现金利率（OCR）决定和市场对此的反应影响了今天的走势。

ASB said the one-year lending rate has dropped 10 basis points from 7.39 per cent to 7.29 per cent, effective today.
ASB表示，一年期贷款利率已从7.39%降至7.29%，从今天开始生效，下降了10个基点。

And its two-year lending rate also dropped, from 6.89 per cent to 6.85 per cent.
其两年期贷款利率也从6.89%降至6.85%。

The bank’s 6-month term deposit is going up by five basis points to 6.05 per cent.
该银行的6个月定期存款上涨了5个基点至6.05%。

Adam Boyd, ASB personal banking general manager, said the reduction to some mortgage terms partly reflected how swap rates responded to the Reserve Bank keeping the OCR at 5.50 per cent.
ASB个人银行业务总经理亚当·博伊德（Adam Boyd）表示，部分抵押贷款条款的减少在一定程度上反映了掉期利率对储备银行将OCR保持在5.50%的反应。

After the cash rate announcement last Wednesday, the two-year swap rate, which can influence home mortgage rates, dropped to 5.05 per cent from 5.21 per cent.
在上周三公布现金利率后，可能影响住房抵押贷款利率的两年期掉期利率从5.21%降至5.05%。

[xyz-ihs snippet=”In-article-ads”]

Inflation was also a factor in ASB’s home loan rates decision, Boyd said.
博伊德说，通货膨胀也是ASB住房贷款利率决定的一个因素。

“We know that the rising cost of living is affecting our customers, and alleviating a bit of pressure will be welcome news for homeowners in the current environment.”
“我们知道，不断上涨的生活成本正在影响我们的客户，在当前环境下，减轻一点压力对房主来说是个好消息。”

ASB already cut some of its home loan rates last week, just ahead of the OCR announcement.
ASB上周已经下调了部分住房贷款利率，就在OCR宣布之前。

The bank’s 18-month mortgage adjustment dropped 26 basis points to 6.89 per cent last Tuesday.
上周二，该银行的18个月抵押贷款调整下降了26个基点至6.89%。

ANZ also made changes to some of its fixed home loan and term deposit rates.
澳新银行也调整了部分固定住房贷款和定期存款利率。

It said this was to reflect the recent decrease in wholesale swap rates.
它表示，这是为了反映最近批发掉期利率的下降。

The 18-month lending rate had the biggest drop among ANZ offerings, down 26 basis points to 7.49 per cent.
18个月贷款利率在澳新银行产品中跌幅最大，下跌26个基点至7.49%。

The one-year fixed lending rate at ANZ dropped 15 basis points from 7.99 per cent to 7.84 per cent.
澳新银行的一年期固定贷款利率从7.99%下降15个基点至7.84%。

Home loan rates for two years and three years were both reduced by 10 basis points.
两年期和三年期住房贷款利率均下调了10个基点。

There was no change today to rates for ANZ’s 6 month, four year and five year terms.
澳新银行6个月、4年和5年的利率今天没有变化。

One year term deposit rates have fallen at ANZ from 6.10 per cent to 6.00 per cent.
澳新银行的一年期定期存款利率从6.10%降至6.00%。

Rates for 18-month, two year and three year terms are also down by 0.10 per cent.
18个月、两年期和三年期的利率也下降了0.10%。

Those rates apply for term deposits with a minimum $10,000, and applicable to the first $5 million.
这些利率适用于最低 10,000 纽币的定期存款，并适用于前 500 万纽币。

来源： NZ Herald

ASB drops mortgage rates, follows Westpac and BNZ
ASB下调抵押贷款利率，紧随西太平洋银行和BNZ之后

ASB has reduced its home lending rates for a second time in the past week, matching drops from Westpac and BNZ in February.
ASB在过去一周内第二次下调了住房贷款利率，与西太平洋银行和BNZ在2月份的降幅相当。

The bank said its one-year lending rate has dropped 10 basis points from 7.39 percent to 7.29 percent, and its two-year lending rate has also decreased from 6.89 percent to 6.85 percent. ASB has also increased its 6-month term deposit rate by five basis points to 6.05 percent.
该银行表示，其一年期贷款利率从7.39%降至7.29%，下降了10个基点，两年期贷款利率也从6.89%降至6.85%。ASB还将6个月定期存款利率上调了5个基点至6.05%。

It follows ASB’s 18-month mortgage adjustment on 27 February which dropped 26 basis points to 6.89 percent.
在此之前，ASB于2月27日进行了为期18个月的抵押贷款调整，该调整下降了26个基点至6.89%。

[xyz-ihs snippet=”GoogleADresponsive”]

Executive general manager of personal banking Adam Boyd said ASB regularly reviewed its rates.
个人银行业务执行总经理亚当·博伊德（Adam Boyd）表示，ASB会定期审查其利率。

“The reduction to some of our key mortgage terms in part reflects how swap rates have responded to the Reserve Bank’s decision to hold the Official Cash Rate at 5.5 percent.
“我们一些关键抵押贷款条款的减少在一定程度上反映了掉期利率对储备银行将官方现金利率维持在5.5%的决定的反应。

“We know that the rising cost of living is affecting our customers, and alleviating a bit of pressure will be welcome news for homeowners in the current environment.”
“我们知道，不断上涨的生活成本正在影响我们的客户，在当前环境下，减轻一点压力对房主来说是个好消息。”

This followed Westpac reducing its fixed home loan rates of between 10 and 20 basis points on 9 February.
在此之前，西太平洋银行于2月9日将其固定住房贷款利率下调了10至20个基点。

[xyz-ihs snippet=”googleAD300x100″]

Its special fixed one-year lending rate dropped to 7.29 percent while its special fixed 18 month rate dropped to 6.95 percent.
其特殊的一年期固定贷款利率降至7.29%，而其特殊的18个月固定利率降至6.95%。

Westpac NZ general manager of product, sustainability and marketing Sarah Hearn said customers may still be concerned despite its reductions.
新西兰西太平洋银行产品、可持续发展和营销总经理莎拉·赫恩（Sarah Hearn）表示，尽管有所减少，但客户可能仍会感到担忧。

“While we are reducing our rates, we acknowledge that customers may be re-fixing their loans from the historically low rates we have seen over recent years and may still be concerned about their increasing costs.
“虽然我们正在降低利率，但我们承认，客户可能会从近年来看到的历史低利率中重新调整他们的贷款，并且可能仍然担心他们的成本增加。

“Our data shows the vast majority of our customers are coping well with higher living costs, but we encourage them to get in touch if they have any concerns.”
“我们的数据显示，我们的绝大多数客户都能很好地应对更高的生活成本，但我们鼓励他们有任何疑虑，请与我们联系。”

Westpac NZ also decreased term deposit rates by between 10 and 30 basis points on all terms between 12 months and five years.
新西兰西太平洋银行还将12个月至5年期的所有定期存款利率下调了10至30个基点。

Meanwhile, BNZ also dropped its fixed mortgage rates ahead of the Reserve Bank’s OCR decision.
与此同时，BNZ也在储备银行的OCR决定之前降低了固定抵押贷款利率。

Its one-year lending rate now sits at 7.29 percent and its two-year lending rate sits at 6.85 percent.
其一年期贷款利率目前为7.29%，两年期贷款利率为6.85%。

来源：RNZ

[xyz-ihs snippet=”moreNZnews”]

[xyz-ihs snippet=”multiple-ads”]

 748 views