仍有5家尚未降息！全澳106家貸款機構降息時間表公布
近年來，「銀行搶劫」一詞在澳洲有了新的含義，不再是電影中面具歹徒持槍的戲劇性場景，而是銀行通過利率調整對客戶的「隱形牽制」。
據RealEstate網站報道，歷來，澳洲儲備銀行（RBA）一旦加息，各大銀行迅速將壓力傳遞給客戶，然而降息時，銀行的反應卻耐人尋味。
（圖片來源：RealEstate）
數據顯示，自2022年以來，RBA經歷了13次加息，銀行無一例外全額傳導。但在此之前的10年內，RBA曾10次降息，四大銀行中的Commonwealth Bank、NAB和ANZ僅傳導了四次降息，而Westpac更是只有兩次。
今年2月，這一局面發生轉變。在降息廣受期待下，四大銀行迅速宣布將全額傳導。根據對比網站Finder的數據，111家貸款機構中，大部分紛紛跟進。
面對少數未傳導的銀行，有網站推出了「羞恥名單」以督促其行動。至5月，不滿名單上的機構幾乎已所剩無幾。
在澳洲，一筆約60萬澳元的普通貸款中，0.25%的降息每年可節省約1200澳元，兩次則可節省2400澳元，對高於平均抵押貸款的澳洲居民而言，這是一筆不容小覷的節省。
（圖片來源：RealEstate）
Finder消費者研究負責人Graham Cooke指出，銀行業的競爭環境加速了降息傳導。「若一家主要銀行選擇全額傳導降息，其他銀行便承受著巨大的競爭壓力，以吸引和穩定客戶，」他說。
對於那些希望節省開支的房主，Cooke建議關注市場，以獲得更優惠的貸款利率。「即便利率僅降低半個百分點，每年也可能節省數千澳元。浮動利率現已下降至『5』字開頭。」
已降息的機構以及生效日期
ANZ: 5.59- 30 May
CommBank: 5.59- 30 May
NAB: 5.94- 30 May
Westpac: 5.59- 3 June
Adelaide Bank: 5.79- 6 June
AMP: 5.64- 2 June
Arab Bank Australia: 5.45- 3 June
Athena: 5.74- 20 May
Aussie: 5.69- 6 June
Australian Military Bank: 5.64- 3 June
Australian Mutual Bank: 5.39- 1 June
Australian Unity: 5.54- 4 June
AusWide Bank: 5.59- 5 June
Bank Australia: 5.63- 2 June
Bank First: 5.49- 29 May
Bank of China: 5.43- 3 June
Bank of Melbourne: 5.79- 3 June
Bank of Sydney: 5.54- 3 June
Bank of us: 5.64- 11 June
Bank Orange: 5.44- 2 June
BankSA: 5.79- 3 Jun
BankVic: 5.48- 3 June
BankWAW: 5.29- 3 June
Bankwest: 5.69- 30 May
bcu: 5.49- 10 June
Bendigo Bank: 5.64- 6 June
Beyond Bank: 5.64- 3 June
Bluestone: 6.54- 11 June
BOQ: 5.63- 6 June
Border Bank: 5.34- 27 May
Broken Hill Bank: 6.39- 4 June
Cairns Bank: 5.74- 4 June
Central Murray Credit Union: 6.74- 2 June
Central West Credit Union: 5.79- 29 May
Coastline Credit Union: 6.44- 29 May
Community First Bank: 5.49- 11 June
Credit Union SA: 5.49- 4 June
Defence Bank: 5.59- 28 May
Dnister: 5.59- 3 June
Easy Street: 5.59- 4 June
Fire Service Credit Union: 5.59- 1 June
Firefighters Mutual Bank: 5.49- 1 June
Firstmac: 5.78- 3 June
First Option Bank: 5.49- 2 June
Freedom Lend: 5.65- 16 June
G & C Mutual Bank: 5.49- 1 June
Gateway Bank: 5.45- 27 May
Geelong Bank: 5.64- 30 May
Goulburn Murray Credit Union: 5.69- 3 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
Horizon Bank: 5.39- 1 June
HSBC: 5.49- 2 June
Hume Bank: 5.49- 2 June
Illawarra Credit Union: 5.49- 4 June
IMB: 5.54- 30 May
ING: 5.64- 3 June
Liberty Financial: 5.99- 3 June
loans.com.au: 5.49- 3 June
Macquarie Bank: 5.64- 23 May
ME: 5.63- 7 June
Mortgage House: 5.39- 6 June
MOVE Bank: 5.44- 1 June
MyState Bank: 5.54- 5 June
Newcastle Permanent: 5.49- 30 May
NICU: 5.49- 1 June
NRMA Insurance Home Loan: 5.53- 6 June
P & N Bank: 5.63- 10 June
Pacific Mortgage Group: 5.39- 2 June
People』s Choice Credit Union: 5.39- 30 May
Pepper Money: 6.04- 5 June
Police Bank: 5.34- 27 May
Police Credit Union: 5.49- 1 June
Qantas Money: 5.68- 6 June
QBank: 5.49- 6 June
Qudos Bank: 5.44- 29 May
Queensland Country Bank: 5.49- 4 June
RACQ Bank: 5.39- 3 June
Regional Australia Bank: 5.44- 4 June
resi: 6.39- 20 May
RESIMAC Financial Services: 5.89- 11 June
Southern Cross Credit Union: 5.73- 1 June
South West Slopes Bank: 5.70- 3 June
St. George: 5.79- 3 June
Sucasa: 6.05- 5.89- 16 June
Summerland Bank: 5.34- 3 June
Suncorp: 5.65- 30 May
Teachers Mutual Bank: 5.49- 1 June
The Capricornian: 5.39- 6 June
The Mac: 5.42- 4 Jun
The Mutual Bank: 5.49- TBC
Tiimely Home: 5.54- 6 June
Transport Mutual Credit Union: 6.44- 2 June
Ubank: 5.59- 29 May
UniBank: 5.49- 1 June
Unity Bank: 5.49- 1 June
Unloan: 5.49- 20 May
Up Home Loan: 5.50- 1 June
Virgin Money: 6.19- 6 June
Warwick Credit Union: 5.89- 4 June
Woolworths Team Bank: 5.69- 10 June
Yard: 5.89- 6 June
Yellow Brick Road: 6.39- 20 May
尚未降息的機構
Family First Credit Union: 5.70
La Trobe: 6.54
Laboratories Credit Union: 5.95
Reduce: 5.74
Well Money: 5.81
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