Big four bankers to make history 四大银行无视央行，考虑下个月独自降息

jenny112

AFTER more than two years of refusing to pass on the full amount of Reserve Bank interest rate cuts, the nation's Big Four banks are contemplating something they have never done before - cutting rates out of cycle with the central bank.

Major lenders have had discussions at the boardroom level about self-initiated rate cuts. Westpac is even considering slashing its rate by up to six basis points as early as February.

It would save $160 a year for the average $320,000 mortgage-holder - but would have far wider implications for competition across the sector.

Bell-Potter Securities analyst TS Lim said he expected one of the major banks to make a move by March.

"They won't be aggressive when they cut outside the RBA's movements but I think at least one of them will cut in February or March, which will really force the others to act in response," Mr Lim said.

With the Reserve Bank unlikely to cut rates substantially in coming months, JP Morgan analyst Stephen Walters said funding pressures easing across the world "could now see the banks make out-of-cycle cuts to mortgage rates".

"This would ease financial conditions without the RBA having to adjust policy."

Senior UBS analyst Scott Haslem said that with banks working hard to attract Australian deposits, the mortgage rate could be used as an instrument to attract new customers.

"I think it's very likely," Mr Haslem said. "Global funding costs have come down and, while banks are now sourcing their funding from other sources, it does play a big part." None of the big banks was last night willing to comment on the proposed interest rate cut, for risk of facing price-fixing accusations from the ACCC.

But banking sources last night confirmed there had been separate, internal discussions at the major lenders over the possibility of an out of cycle rate cut.

NAB's executive of personal banking Lisa Gray recently conceded that while the bank was now sourcing more than 50 per cent of funding from term deposits, its funding costs had decreased, easing pressure on the bank's bottom line.

News of the possible rate cuts comes as economists predict the nation will celebrate a "boom year" in 2013.

With the dollar tipped to reach US108c, the sharemarket is also tipped to surge through the psychologically important 5000 mark in coming months.

AMP chief economist Shane Oliver said the positive groundswell from the US avoiding the fiscal cliff was emanating throughout the entire economy - with retailers set to benefit most. While 2012 may have proved a forgettable year for bricks and mortar retailers, Myer boss Bernie Brookes was still positive.

"In the first few hours of trade online (on Boxing Day) we did five times the volume of trade we did on Christmas last year," Mr Brookes said.

据内部消息，四大银行的董事会曾经开了好几次会议，商讨要不要自己带头降息，以便吸力更多的顾客贷款。

http://www.dailytelegraph.com.au ... reuy9-1226547834986

y12345678

这帮猪头，只想降0.06个百分点
央行都是0.25个百分点的降

bluemm

我现在的银行贷款是5.49%,算高的吗？

y12345678

取决于综合条件

你要说请

年费、贷款总额、offset、LVR之类的才好评论

bluemm

无年费，总贷32万， 不是Offset,是redraw facility的。LVR是不是意思是首付了多少？20%以上。

y12345678

除了没有OFFSET别的都还可以吧
如果很不满意
看看一下几家的
1.BANKWEST ONLINE的
。。。。5.38% DISCOUNTED RATE，只能网上申请；
。。。。免695申请费，没有年费，没有MAINTENANCE FEE,NO ONGOING FEE；
。。。。没有OFFSET ACCOUNT，但是可以UNLIMITED ADDITIONAL REPAYMENT TO LOAN ACCOUNT，而且随 时可以ONLINE FREE REDRAW；
。。。。可最多贷到80% 5. 退出费300.
。。。。听说还有一个额外的利率discount，百分之零点一或是二，没有查证，你自己检查一下

2.  ing的
超过五十万ING也5.38% 有offset account，有年费但不高$199, 但所有澳洲ATM都可以用 (无手续费)。你这个低于50万，利率要高一些，具体数字就不清楚了。

3.NAB
四大银行里实际利率最低的一家。有年费395一年，有offset，有只还利息，有年费信用卡（虽然很垃圾）。至于利率，原则上高于一百万，算上优惠可以5.38。到实际上可以谈。不过你的贷款只有32万，讨价能力就有限了。

以上都是个人刚好了解到的一点情况，肯定有所错漏了。仅供信息分享，并不构成财务建议。