【澳洲快讯】澳洲银行贷款利率再次降到历史新低！！,澳洲智慧置业微信公众号文章

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澳洲联邦银行CBA, 国民银行NAB已经把5年期固定贷款利率下调到历史新低的4.99%，顾客可以享受历史性地利率的好处啦！

说的没错吧？之前提供的官方专业分析，说更低的利率即将到来，说官利率还没探底，说有可能更便宜的贷款要来了，看看吧，现在澳洲各大银行开始行动了！！！

今天，澳洲最大的贷款银行CBA 宣布5年期固定贷款利率将下调0.7%到4.99%，成为市场上的最低利率。这是该银行历史上首次把5年期固定利率下调至5%以下。

“顾客将有机会锁定这个极端有竞争力的利率5年。”公司的零售业务部门总经理Lyn Cobley说。CBA的最新利率从今天（7月23日）起有效！

今年各家银行都在下调固定贷款利率来作为吸引顾客的手段，也因为他们的融资成本在降低。

固定利率受到对现金利率前景看法的影响，而RBA已经保持现金利率不变几乎达一年时间。

更厉害的是，几个小时后，NAB紧跟而上，也一样把5年固定贷款利率下调0.7%至历史最低4.99%！！！最新利率从7月25日开始有效！这是NAB提供的20多年以来最低的利率！！

利率降低的时候把买房子的现金存入银行，有意义么？再说，在澳洲，现金存款的利息，是要交税的哦！即使不交税，房子每周几百几千几万块的涨，一年下来，比一年总存款利息多了吧？

利率降低了，房价怎样？

亲们还犹豫么？行动吧！不要错过机会哦！

以下是英文原版报道：

NAB, CBA cut 70bp from five-year fixed mortgage rate to 4.99pc

THE AUSTRALIAN

JULY 23, 2014 4:33PM

NATIONAL Australia Bank has matched Commonwealth Bank’s move to slash home loan rates by lowering its five-year fixed mortgage below the 5 per cent mark.

NAB has followed the CBA and dropped 70 points from its five-year fixed rate to 4.99 per cent.

But the cuts don’t stop there for NAB customers, with the bank also shaving interest rates on its fixed three-year and four-year mortgage rates.

The cuts mean NAB is now offering rates of less than 5 percent across its one, two, three, four and five-year packaged home loans.

The new rates, which will be effective from Friday 25 July for NAB Choice package customers, are the lowest fixed interest rates the bank has issued in more than 20 years.

The changes will see NAB’s Choice package interest rate for its three-year term drop by 11 points to 4.94 per cent, its four-year term by 45 points to 4.99 per cent and its five-year term by 70 points to 4.99 per cent.

“NAB is committed to driving competition in the banking industry and providing our customers with the best products and great service,because what’s good for our customers is good for our business,” said NAB groupexecutive, personal banking, Gavin Slater.

“It’s good to see some of our competitors try and catch up.”

Earlier today the CBA made changes to its fixed five-yearterm, but left its one-year fixed rate at 4.94 per cent and its three-year rateat 5.24 per cent.

CBA’s new rate will be effective for new and existing customers from today and will apply to Wealth Package and Mortgage Advantage Package products。

“This is a great opportunity for customers to lock in an extremely competitive rate for five years,” said Lyn Cobley, CBA’s executive general manager of retail products and third party.

Buoyed by low cash rates — which the Reserve Bank of Australia has left on hold at a record low of 2.5 per cent for almost a year —the banking sector has been dropping fixed mortgage rates as they try to lure new customers.

RBA data shows the average three-year fixed home loan rate has fallen from a peak of 9.4 per cent in July 2008, before the global financial crisis, to 5.20 per cent in June this year.

The shift in CBA’s loan-rate follows embarrassing findings from a recent Senate inquiry into incidences of fraud which occurred in the bank’s financial planning arm between 2006 and 2010.