
澳联储宣布降息,仍有72家贷款机构未跟进!“耻辱名单”公布...

2月份某家银行因拒绝向客户传导急需的降息红利而成为众矢之的。但在周二,Virgin Money改变了立场,宣布将全额传导澳联储5月份的降息。
如果不能全额或部分传导央行25个基点的降息,Virgin Money和BOQS的客户将比其他110家在Finder平台上的贷款机构的客户多付出0.5%的利息。然而,拥有Virgin Money和BOQS的Bank of Queensland迅速确认,Virgin Money、BOQS、Bank of Queensland本身以及旗下子公司ME Bank都会全额传导本轮降息。此外,BOQ Business Bank也将传导降息,这一消息已由该银行的媒体发言人确认。
(图片来源:RealEstate)
这意味着Virgin Money避免了被列入“耻辱名单”,即那些在传导澳联储降息时拖拖拉拉的银行。
对于一笔约60万澳元的平均水平房贷而言,0.25%的降息每年可为借款人节省约1200澳元。如果是两次降息,每年可节省2400澳元。而对于贷款额高于平均水平的澳洲人来说,这些节省将更为可观。
回顾二月份,Bank of Queensland的媒体代表曾表示,虽然BOQ和ME Bank会全额传导降息,但另外两家子公司不会,因为它们的产品“与市场保持一致”,且此前一直低于市场平均水平。这让人感到奇怪,因为Virgin Money的最佳浮动利率当时是6.44%,在周二做出降息决定之前,比Finder监测的111家贷款机构中的104家都要高。
客户们也表达了不满,纷纷在社交媒体页面上吐槽。当时,一位房贷持有者Kelly Schuppe发帖称:“正在与另一家银行商讨新协议。因为贪婪,你们将失去我们的住房贷款和信用卡。”
(图片来源:RealEstate)
Finder的消费者研究负责人Graham Cooke表示,下次降息时,可能不会有那么多贷款机构全额传导。“历史上,在利润空间紧缩的时期,银行并不总是完全传导澳联储的降息,”Cooke说,“然而,尤其是最近的几次降息,社会压力促使主要银行向其浮动房贷客户传导全部25个基点的降息,此举往往受到社会公众和市场竞争的推动。”
的确,澳洲国民银行(NAB)毫不迟疑,迅速在下午2:31宣布将自5月30日起向客户全额传导0.25%的降息。CBA、ANZ和Westpac也紧随其后,相继宣布将全额传导降息。
“贷款机构间的竞争格局起到了重要作用。如果一家大银行全额传导降息,其他银行通常会因压力而效仿,以免失去客户,”Cooke表示。
“即使你目前的贷款机构没有全额传导降息,竞争环境意味着其他地方可能有更好的交易。这使得寻求重组贷款以最大化节省开支成为房主们的重要选择。”
“即使0.5%的降息差异,每年也能节省数千澳元。”
“要货比三家,寻找一个比当前提供者利率更低的浮动房贷。现在最低利率已经出现了‘5’字头。”
基于此,以下是Finder平台上的所有贷款机构完整列表及其最佳浮动利率:
已宣布降息的银行,最新优惠利率(%),生效日期
ANZ: 5.59- 30 May
CommBank: 5.59- 30 May
NAB: 5.94- 30 May
Westpac: 5.59- 3 June
AMP: 5.64- 2 June
Athena: 5.74- 20 May
Australian Mutual Bank: 5.19- 1 June
Bank Australia: 5.63- 2 June
Bank of Melbourne: 5.79- 3 June
BankSA: 5.79- 3 Jun
BankVic: 5.48- 3 June
Bankwest: 5.69- 30 May
Bendigo Bank: 5.64- 6 June
BOQ: 5.63- 6 June
Firefighters Mutual Bank: 5.49- 1 June
Greater Bank: 5.49- 30 May
Great Southern Bank: 5.64- 3 June
Heritage Bank: 5.49- 30 May
Homeloans: 5.89- 11 June
HomeStar Finance: 5.49- 16 June
HSBC: 5.49- 2 June
ING: 5.64- 3 June
Macquarie Bank: 5.64- 23 May
ME: 5.63- 7 June
Newcastle Permanent: 5.49- 30 May
People’s Choice Credit Union: 5.39- 30 May
Pepper Money: 6.04- 5 June
Qudos Bank: 5.44- 29 May
RACQ Bank: 5.39- 3 June
RESIMAC Financial Services: 5.89- 11 June
Southern Cross Credit Union: 5.73- 1 June
St.George: 5.79- 3 June
Suncorp: 5.65- 30 May
Teachers Mutual Bank: 5.49- 1 June
The Mutual Bank: 5.49- TBC
Ubank: 5.59- 29 May
UniBank: 5.49- 1 June
Unloan: 5.49- 20 May
Virgin Money: 6.19- 6 June
耻辱名单:尚未宣布降息的银行,最新利率(%)
Adelaide Bank: 6.04
Arab Bank Australia: 5.7
Aussie: 5.89
Australian Military Bank: 5.89
Australian Unity: 5.79
AusWide Bank: 5.84
Bank First: 5.74
Bank of China: 5.68
Bank of Sydney: 5.79
Bank of us: 5.89
Bank Orange: 5.69
BankWAW: 5.54
bcu: 5.74
Beyond Bank: 5.89
Bluestone: 6.79
Border Bank: 5.59
Broken Hill Bank: 6.64
Cairns Bank: 5.99
Central Murray Credit Union: 6.99
Central West Credit Union: 6.04
Coastline Credit Union: 6.69
Community First Bank: 5.74
Credit Union SA: 5.74
Defence Bank: 5.84
Dnister: 5.79
Easy Street: 5.84
Family First Credit Union: 5.7
Fire Service Credit Union: 5.84
First Option Bank: 5.74
Firstmac: 6.03
Freedom Lend: 5.9
G&C Mutual Bank: 5.74
Gateway Bank: 5.7
Geelong Bank: 5.89
Goulburn Murray Credit Union: 5.94
Horizon Bank: 5.64
Hume Bank: 5.74
Illawarra Credit Union: 5.74
IMB: 5.79
La Trobe: 6.54
Laboratories Credit Union: 5.95
Liberty Financial: 6.24
loans.com.au: 5.74
Mortgage House: 5.64
MOVE Bank: 5.69
MyState Bank: 5.79
NICU: 5.74
NRMA Insurance Home Loan: 5.78
P&N Bank: 5.88
Pacific Mortgage Group: 5.64
Police Bank: 5.59
Police Credit Union: 5.74
Qantas Money: 5.93
QBank: 5.74
Queensland Country Bank: 5.74
Reduce: 5.74
Regional Australia Bank: 5.69
resi: 6.14
South West Slopes Bank: 5.95
Sucasa: 6.05
Summerland Bank: 5.59
The Capricornian: 5.64
The Mac: 5.67
Tiimely Home: 5.79
Transport Mutual Credit Union: 6.69
Unity Bank: 5.74
Up Home Loan: 5.75
Warwick Credit Union: 6.14
Well Money: 5.81
Woolworths Team Bank: 6.34
Yard: 6.14
Yellow Brick Road: 6.64
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