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Quad 发表于 2025-1-7 10:14 
房贷利率应该没什么跌的了,银行现在的 借贷成本有多高?
Wholesale rates have fallen since the last OCR cut, and the two-year swap rate is down 20 basis points from the time of the last gross domestic product (GDP) release, which showed New Zealand had been through another recession.
David Cunningham, chief executive of mortgage broking firm Squirrel, said it meant there was at least 20 basis points to come off home loan rates "almost immediately".
"Further, I think there is potential for mortgage rates to fall by about 0.5 percent in the next month or so, even without OCR changes.
"That's because banks are still paying 5 percent for six-month term deposits versus a wholesale rate for six months of 3.8 percent. I think those term deposits will drift down to 4.5 percent, enabling home loan rate cuts. Sub-5 percent is on the horizon."
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