BNZ is cutting more of its home loan rates. Photo / Alex Burton
BNZ 正在下调更多的住房贷款利率。照片 / Alex Burton
The mortgage rate cut merry-go-round continues with two major banks today dropping their lending rates.
【澳纽网编译】抵押贷款利率下调仍在继续，两家主要银行今天下调了贷款利率。
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From tomorrow, BNZ’s standard fixed six-month home loan rate will drop 26 basis points (bps) from 6.75% to 6.49%.
从明天开始，BNZ 的标准固定六个月住房贷款利率将下降26 个基点 （bps）从 6.75% 降至 6.49% 。
Its standard fixed one-year rate will be cut 20bps to 5.99%.
其标准固定一年期利率将下调 20 个基点至 5.99%。
BNZ now has the lowest six-month and equal-lowest one-year home loan rates among the big five banks.
BNZ 现在拥有五大银行中最低的 6 个月期和同等最低的 1 年期住房贷款利率。
Smaller bank TSB also offers a special one-year fixed rate of 5.99%.
较小的银行 TSB 还提供 5.99% 的一年期固定利率。
BNZ’s two- and three-year fixed mortgage rates will both fall 10bps to 5.69%.
BNZ 的 2 年期和 3 年期固定抵押贷款利率都将下降 10 个基点至 5.69%。
There will also be a 10bps trim for four- and five-year lending terms to 5.59%.
四年期和五年期贷款期限也将下调 10 个基点至 5.59%。
ANZ also announced changes to some of its short-term standard and special lending options.
ANZ 还宣布更改其一些短期标准和特殊贷款选项。
The bank’s six-month fixed rate will drop 25bps to 6.50% (special) and 7.10% (standard).
该银行的 6 个月固定利率将下降 25 个基点至 6.50%（特殊利率）和 7.10%（标准利率）。
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Its one-year fixed rate falls 20bps to 5.99% (special) and 6.59% (standard).
其一年期固定利率下降 20 个基点至 5.99%（特别利率）和 6.59%（标准利率）。
Last week, banks were quick to roll out lower rates after the Reserve Bank (RBNZ) cut the Official Cash Rate (OCR) by 50bps to 4.75%.
上周，在新西兰储备银行 （RBNZ） 将官方现金利率 （OCR） 下调 50 个基点至 4.75% 后，银行迅速推出更低利率。
Westpac cut all of its fixed standard and special home loan rates by 10bps.
Westpac 将其所有固定标准和特殊住房贷款利率下调了 10 个基点。
Westpac’s standard fixed six-month and one-year rates sit at 7.35% and 6.79% respectively.
西太平洋银行的标准固定六个月和一年期利率分别为 7.35% 和 6.79%。
ASB also cut some short- and mid-term rates by up to 16bps.
ASB 还将一些短期和中期利率下调了高达 16 个基点。
ASB’s one-year fixed rate dropped 16bps to 6.19%.
ASB 的一年期固定利率下跌 16 个基点至 6.19%。
Its six-month and two-year fixed rates both fell 10bps to 6.75% and 5.69% respectively.
其 6 个月和 2 年期固定利率均下跌 10 个基点，分别降至 6.75% 和 5.69%。
The RBNZ’s OCR cut drew a favourable reaction from many of the country’s mortgage advisers and housing experts.
新西兰联储的 OCR 下调引起了该国许多抵押贷款顾问和住房专家的好评。
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Squirrel founder John Bolton said he expected one-year fixed rates to drop below 6% relatively quickly.
Squirrel 创始人 John Bolton 表示，他预计一年期固定利率将相对较快地降至 6% 以下。
“With more aggressive rate reductions in the pipeline, it feels increasingly likely that we’ll receive another 50bps cut at our final OCR announcement of the year on November 27,” Bolton said.
博尔顿表示：“随着更激进的降息计划正在进行中，我们在 11 月 27 日的年度最终 OCR 公告中再次下调 50 个基点的可能性越来越大。
“The one-year swap rate is sitting at around 4%. But if things play out as expected, we could easily see one-year swap rates down close to 3% by the end of the year, which would translate into one-year fixed mortgage rates near 5.50%.”
“一年期掉期利率约为 4%。但如果事情按预期发展，我们很容易看到一年期掉期利率在今年年底前下降近 3%，这将转化为接近 5.50% 的一年期固定抵押贷款利率。
Nathan Miglani, senior mortgage adviser at NZ Mortgages, said he was hopeful to see 4.99% shortly.
NZ Mortgages 的高级抵押贷款顾问 Nathan Miglani 表示，他希望很快能看到 4.99%。
来源：NZ Herald
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