新西兰的房屋贷款利率在2025年11月下降到4.45%-5.15%,是2021年以来最低的,专家们敦促借款人在潜在增长前采取行动。 New Zealand home loan rates fell to 4.45%-5.15% in Nov 2025, the lowest since 2021, with experts urging borrowers to act before potential increases.

新西兰的房屋贷款利率在2025年11月下降到4.45%-5.15%,是2021年底以来最低的。 Home loan interest rates in New Zealand have dropped to 4.45%-5.15% in November 2025, the lowest since late 2021. 虽然短期解决办法目前最便宜,但经济学家说,长期成本差异很小,锁定五年利率可能会在对未来利率增长的预期中提供价值。 While shorter-term fixes are currently cheapest, economists say the cost difference for longer terms is small, and locking in a five-year rate may offer value amid expectations of future rate increases. 由于借款人等待进一步削减,需求仍然很低,但低于4.5%的利率可能会提高利息。 Demand remains low as borrowers wait for further cuts, but rates below 4.5% would likely boost interest. 专家提醒说,改进经济数据可以迅速关闭有利利率的窗口。 Experts caution that improving economic data could close the window for favorable rates quickly.