ASB has lowered some of its fixed mortgage rates a week after the Official Cash Rate was cut. Photo / Bevan Conley
题图：在官方现金利率下调一周后，ASB 下调了部分固定抵押贷款利率。照片 / Bevan Conley
ASB has lowered its fixed mortgage rates, bringing them in line with other major banks.
【澳纽网编译】ASB 降低了其固定抵押贷款利率，使其与其他主要银行保持一致。
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地缘政治因素可能会对银行从国际货币市场借款然后放贷给新西兰人支付的利率构成上行压力。
Lately, this pressure has revolved around Donald Trump following his win in the US presidential election in November.
最近，这种压力围绕着唐纳德·特朗普在 11 月赢得美国总统大选后。
Investors believe the tax cuts the President-elect has promised to deliver in the US will result in the country’s books sinking further into the red.
投资者认为，候任总统承诺在美国实施的减税措施将导致该国的账目进一步陷入赤字。
The bank today announced cuts of between 10 and 20 basis points (bps) to its six-month to three-year lending terms.
该银行今天宣布将其 6 个月至 3 年期的贷款期限下调 10 至 20 个基点 （bps）。
ASB’s one-year fixed-term home loan rate will drop 20bps from 5.99% to 5.79%.
ASB 的一年期定期住房贷款利率将从 5.99% 降至 5.79%，下降 20 个基点。
Its six-month and two-year fixed rates also fall 20bps, to 6.19% and 5.49% respectively.
其 6 个月和 2 年期固定利率也下降了 20 个基点，分别降至 6.19% 和 5.49%。
The bank’s three-year fixed home loan rate is being cut by 10bps to 5.59%.
该银行的三年期固定住房贷款利率下调 10 个基点至 5.59%。
Last week ASB cut its variable home loan rate by 50bps to 7.39% and its orbit rate to 7.49%, following the Reserve Bank’s decision to cut the Official Cash Rate by 50bps to 4.25%.
上周，在储备银行决定将官方现金利率下调 50 个基点至 4.25% 后，ASB 将其可变住房贷款利率下调 50 个基点至 7.39%，将其轨道利率下调至 7.49%。
ASB also reduced some of its term deposit rates by between 10 and 20bps.
ASB 还将其部分定期存款利率下调了 10 至 20 个基点。
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While falling interest rates this year have been good news for some borrowers, they haven’t dropped as much as many optimists would have hoped.
虽然今年利率下降对一些借款人来说是个好消息，但降幅并没有像许多乐观主义者希望的那样大。
Reserve Bank Governor Adrian Orr tempered expectations around mortgage cuts last week, noting “other global influences going on” as a reason for interest rates not necessarily falling in line with the OCR.
储备银行行长 Adrian Orr 上周缓和了对抵押贷款削减的预期，指出“其他全球影响正在发生”是利率不一定与 OCR 一致的原因。
Other factors, such as banks already pricing in OCR cuts, should calm overly enthused borrowers.
其他因素，例如银行已经对 OCR 削减定价，应该会安抚过于热情的借款人。
In reality, OCR changes have never translated one-for-one to mortgage rate changes across all terms, with the OCR more directly influencing floating rates and those for loans fixed at shorter terms.
实际上，OCR 的变化从未将所有期限的抵押贷款利率变化一一转化为 1：1，OCR 更直接地影响浮动利率和固定期限较短的贷款利率。
Many of the major banks were quick to pass on the full 50bps to customers on floating rates last Wednesday.
上周三，许多主要银行迅速将 50 个基点的浮动利率全额转嫁给客户。
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The OCR also isn’t the only thing that influences the interest rates consumers and businesses pay.
OCR 也不是影响消费者和企业支付的利率的唯一因素。
Geopolitical factors can put upward pressure on the interest rates banks pay to borrow money from international money markets to then on-lend to Kiwis.
地缘政治因素可能会对银行从国际货币市场借款然后放贷给新西兰人支付的利率构成上行压力。
Lately, this pressure has revolved around Donald Trump following his win in the US presidential election in November.
最近，这种压力围绕着唐纳德·特朗普在 11 月赢得美国总统大选后。
Investors believe the tax cuts the President-elect has promised to deliver in the US will result in the country’s books sinking further into the red.
投资者认为，候任总统承诺在美国实施的减税措施将导致该国的账目进一步陷入赤字。
来源：NZ Herald
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