不等澳联储，ANZ提前降息！部分银行固定利率已跌破5%大关

Core Viewpoint - ANZ has lowered its two-year fixed interest rate to 5.39%, becoming the latest bank to adjust rates outside the Reserve Bank of Australia's policy cycle, offering the lowest rates among the four major banks [1][3] Group 1: Interest Rate Changes - ANZ now offers the lowest one and two-year fixed rates among the four major banks, while NAB provides the lowest three, four, and five-year fixed rates after its rate cut on April 11 [3] - BOQ and Police Bank have introduced a new fixed rate of 4.99%, which is significant for mortgage holders as it breaks the 5% threshold [3] - The Australian Reserve Bank has maintained the official cash rate at 4.1% and is expected to reduce it by 25 basis points to 3.85% in May [6] Group 2: Market Reactions and Predictions - Canstar's data analysis director, Sally Tindall, noted that while 5.39% seems ordinary, floating rate borrowers across Australia are anticipating further cash rate cuts, and the 4.99% fixed rate may attract considerable borrower interest [3][5] - Tindall suggested that fixed rates starting with '4' represent a significant psychological barrier, potentially prompting borrowers to switch from floating to fixed rates, despite the risk of missing out on future rate cuts [3] - The recent rate cuts by two of the four major banks are seen as positive news for borrowers, with expectations that more banks will follow suit [5] Group 3: Customer Implications - CBA has lowered its floating rate loans for new customers to 5.84%, aligning with Westpac and ANZ, although this offer is subject to strict conditions [6][9] - Existing mortgage holders who do not refinance cannot benefit from CBA's new rates, but Tindall believes this move is advantageous for mortgage holders as it may prompt other lenders to adjust their rates to remain competitive [9] - Existing customers can use the new lower rates as leverage in negotiating their own rates [9]