Photo: 123RF 照片：123RF
The country’s biggest bank has reduced its fixed home loan rates across a number of terms.
该国最大的银行已多次下调其固定住房贷款利率。
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ANZ’s six-month rate drops by 40 basis points to 6.09 percent for a standard rate and 5.49 percent for the special.
澳新银行的六个月期利率下降 40 个基点，标准利率降至 6.09%，特别利率下降 5.49%。
The one-year rate drops by 0bps, to 5.99 percent for the special and 5.59 percent for the standard.
一年期利率特别利率降至 5.99%，标准利率降至 5.59%。
The 18-month rate also drops to 4.99 percent.
18 个月利率也降至 4.99%。
A rate of 4.99 percent for two years had previously been the lowest advertised rate in the market.
两年 4.99% 的利率以前是市场上最低的广告利率。
All the major banks moved their floating home loan rates when the official cash rate was cut last week, but fixed falls have been slower to happen.
上周官方现金利率下调时，所有主要银行都调整了浮动住房贷款利率，但固定下降的速度较慢。
Photo: RNZ / Nate McKinnon
照片：RNZ / Nate McKinnon
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Squirrel chief executive David Cunningham earlier said that he thought a 4.5 percent home loan rate was increasingly likely.
Squirrel 首席执行官 David Cunningham 早些时候表示，他认为 4.5% 的住房贷款利率的可能性越来越大。
A number of economists now expect that the official cash rate will have to fall further than it initially was expected to, because of the economic impact of the US trade tariffs.
一些经济学家现在预计，由于美国贸易关税的经济影响，官方现金汇率将不得不进一步下降，低于最初的预期。
Kiwibank economists are now calling for a 2.5 percent cash rate, down from the current 3.5 percent. “The outlook is weaker and global risks are escalating,” they said.
Kiwibank 经济学家现在呼吁将现金利率从目前的 3.5% 降至 2.5%。“前景疲软，全球风险正在升级，”他们说。
ASB’s economists said they expected a 2.75 percent trough in the rate and said the inflation data due this week should reinforce to the Reserve Bank that inflation was in line with its expectations.
ASB 的经济学家表示，他们预计利率将出现 2.75% 的低谷，并表示本周公布的通胀数据应该会让储备银行确信通胀符合其预期。
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Westpac chief economist Kelly Eckhold said it was likely that fixed home loan rates would fall given the drops that had happened in wholesale swap rates.
西太平洋银行首席经济学家 Kelly Eckhold 表示，鉴于批发掉期利率下降，固定住房贷款利率可能会下降。
But he said banks would be concerned about potential volatility.
但他表示，银行会担心潜在的波动性。
“You don’t want to reduce your mortgage rate today and then have wholesale rates up 30bps tomorrow and you have to change your rate again.”
“你不想今天降低抵押贷款利率，然后明天批发利率提高 30 个基点，你必须再次改变你的利率。”
来源：RNZ
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