澳洲ANZ降息了

在澳大利亚个人理财




ANZ cuts fixed mortgage rates

Relief is in sight for some borrowers, with the ANZ Bank cutting its fixed mortgage interest rates by as much as half a percentage point.

The bank said today that rates for fixed rate home loans and residential investment loans will fall across all terms by between  11 basis points and 50 basis points.

''These changes will enable ANZ to offer our customers some very competitive fixed rates,'' it said.

For example, its one-year fixed rate will fall by 11 basis points to 8.99%, per annum.

Its seven year fixed rate will fall by 50 basis points, also to 8.99%.

The decision by ANZ to cut its fixed rates - but not its variable rates - comes as financial markets factor in a likely cut in official interest rates next month.

Earlier today, ANZ managing director for mortgages Michael Rowland today a federal parliamentary committee hearing in Melbourne that there was no certainty the bank would pass on in full any cut by the Reserve Bank of Australia.

''We would like to cut those interest rates but we will have to assess what is happening to our funding costs at that time,'' Mr Rowland told the committee.

The House of Representatives Economics Committee is examining whether competition in the financial sector has been reduced following the global credit crunch.

The ANZ's move was prompted by a sharp reduction in the cost of funds that it borrowed on the short-term money market.

Mr Rowland told the hearing the cost of short-term funds had fallen dramatically in recent days.

''Those sort-term funding costs have moved from an average of 10 basis points over the official cash rate, to earlier this year to 100 points, (to) last week 60, (to) yesterday 20,'' Mr Rowland said.

Mr Rowland said the bank's funding mix comprised roughly one third deposits, one third from the short-term money market and the rest from long-term borrowings.

The bank's move on fixed-term mortgages followed data showing the popularity of fixed-rate home loans had halved since the start of the year, a sign that borrowers may be expecting an interest rate cut.

Australian Bureau of Statistics (ABS) data this week showed 11.7% of new mortgages approved in June were at a fixed rate, the lowest market share since October 2005.

That was a big fall from March when fixed-rate loans commanded 23.9% of all new housing finance commitments.

Fixed-rate loan numbers have fallen for three successive months, the ABS data showed even though the major banks had lifted their standard variable lending rates independently of the Reserve Bank of Australia.

Economists now expect the Reserve Bank of Australia will consider cutting the official cash rate, which has been at 7.25% since March, before the end of the year.

ANZ said its one-year fixed rate would be cut 11 basis points from 9.10% to 8.99%, its two-year fixed rate would be cut 35 basis points from 9.34% to 8.99% and its five-year fixed rate would fall 50 basis points from 9.49% to 8.99%.

AAP with Chris Zappone, BusinessDay
澳洲中文论坛热点
悉尼部份城铁将封闭一年,华人区受影响!只能乘巴士(组图)
据《逐日电讯报》报导,从明年年中开始,因为从Bankstown和Sydenham的城铁将因Metro South West革新名目而
联邦政客们具有多少房产?
据本月早些时分报导,绿党副首领、参议员Mehreen Faruqi已获准在Port Macquarie联系其房产并建造三栋投资联

个人理财

个人理财

HSBC 特别差的体验

澳大利亚想着去其他国家, 办一张HSBC的Everyday Global卡, 可以存10种外币,于是填写了网上申请表。 2 weeks later, 啥也没有,早上8:10分打客服电话等了40分钟,终于有人接了,问了一堆安全问题, ...

个人理财

补满前5年养老金问题

澳大利亚现在是2023-2024年度,前5年,指的是2019-2020,2020-2021,2021-2022,2022-2023 加上这年?现在有几个问题想请教 1. 就算补2万一年,10万。这样的话,今年报税就会出现负值了怎么办?允许吗? ...

个人理财

请教换super

澳大利亚现在用的是ING,里面有股票和基金。想转到其他super,是可以直接在ATO上转,还是要先清空股票和基金,全部变成现金才能转? 另外,有没有费用比较低的super可以推荐?主要是买卖一些 ...

个人理财

ANZ plus 四大的免费账户,真的赞

澳大利亚四大里面,只有NAB和ANZ plus不收月租 NAB之烂大家有目共睹,现在几乎是连ATM都找不到了 ANZ plus直接在app上开户非常迅捷,而且开户后转款也是秒到 送实体visa卡 另送saver账户,利息4点多 ...

个人理财

亲测Wise 账户,和ING卡在中国的使用

澳大利亚leo哥我在国内机场用ING卡取人民币,没有任何问题,秒取 后来想往微信里充点钱,就从ING卡转钱到wise账户,秒到,然后wise账户再直接充到微信里,也是秒到,太方便了,汇率还相当不 ...

个人理财

信用卡盗刷,大家有遇到过吗

澳大利亚早上发现5个$18.2的付款,donation到一个叫做Chestertown river Arts的机构,从来没去过这些地方,我准备打电话给CBA dispute,大家有遇到过吗? 评论 经历过两次被盗刷,一次NAB信用卡,一次 ...

个人理财

Supper显示养老金年回报9.88%

澳大利亚诚心请教,我的super自从前年换了一家后,年回报率从负数变成了百分之9.88了 (诚心无炫耀成分)。这个正常吗?觉得有点too good to be true. 尤其是前年covid期间的负数一下跳到这么高。 ...

个人理财

美联储重磅消息-放缓缩表

澳大利亚这么大消息没人分享?美联储宣布放缓收紧缩表,6月正式执行,没人看这消息吗? http://edition.cnn.com/2024/05/ ... -trading/index.html 评论 反了,楼主,美联储要放缓缩表 The Fed announced that i ...

个人理财

请教reward 信用卡

澳大利亚我还从来没用过reward信用卡,但是朋友都推荐使用,说是可以攒积分换钱。但是我网上查这些卡的使用方法,都说积分是不能给商业购买行为的。怎么区分什么消费是商业购买什么不是 ...

个人理财

海外人员可以在哪些银行开账户

澳大利亚帮国内的亲戚打听一下,海外人员可以在哪些澳洲银行开账户呢?最好利息高一点,要求少一点的。纯海外人员,没有澳洲的签证和证件 评论 连澳大利亚签证都没有?开不了吧?既不够 ...

个人理财

养老金账户连年亏损

澳大利亚刚才计算了一下在Qsuper的养老金,过去若干年“绝大部分”财年都是投资亏损,每年还要缴纳不菲的账号管理费用,顿时心头冒火!!! 无法忍受这种无能的管理。必须得换一个。 另外 ...