新西兰的房主越来越多地选择较长的固定利率贷款,作为接近历史最低水平的短期利率,以维持稳定。 New Zealand homeowners are increasingly choosing longer fixed-rate loans for stability as short-term rates near historic lows.

新西兰的房主面临战略选择,因为短期贷款利率接近历史最低水平,经济学家认为,较长的固定期限——2至5年——尽管初始利率略高,但可以提供更好的长期价值。 New Zealand homeowners face a strategic choice as short-term loan rates near historic lows, with economists advising that longer fixed terms—two to five years—may offer better long-term value despite slightly higher initial rates. 随着中央银行将官方现金利率维持在2.25%,批发利率稳定,分析家们预计今后将逐步增加,使更短的固定利率更不利,除非利率在今后六个月内急剧下降。 With the central bank holding the official cash rate at 2.25% and wholesale rates stabilizing, analysts expect gradual increases ahead, making shorter fixes less advantageous unless rates drop sharply in the next six months. 一年和两年固定利率约为4.49%,五年期限为4.99%,但最低成本差异有利于稳定,特别是考虑到未来利率变动的不确定性。 While one- and two-year fixed rates are around 4.49%, and five-year terms at 4.99%, the minimal cost difference favors stability, especially given uncertainty over future rate movements. 尽管短期选择方案继续受到欢迎,但人们日益对波动和过去利率飙升持谨慎态度,正使一些借款人转向更长期的锁定,以获得财政确定性。 Despite continued popularity of short-term options, growing caution over volatility and past rate spikes is shifting some borrowers toward longer locks for financial certainty.