新西兰央行将降息，但抵押贷款利率可能不会效仿。 New Zealand's central bank is set to cut interest rates, but mortgage rates may not follow suit.
预计新西兰储备银行本周将官方现金利率下调 50 个基点，并从 2 月开始进一步下调 25 个基点。 The Reserve Bank of New Zealand is expected to lower its official cash rate by 50 basis points this week, with further 25 basis point cuts starting in February. 虽然 OCR 将降至 3% 左右，但借款人不应期望住房贷款利率会大幅下降，因为零售利率可能会保持在 5% 至 5.5% 之间。 While the OCR will drop to around 3%, borrowers shouldn't expect significant reductions in home loan rates, as retail rates are likely to stay between 5% and 5.5%. 长期批发掉期利率的上调增加了抵押贷款利率的压力，使 OCR 下调的影响复杂化。 Increased wholesale swap rates for longer terms are adding pressure on mortgage rates, complicating the impact of the OCR cuts.