OCR 和房贷利率趋势

We use the OCR to achieve and maintain price stability. To keep prices stable, the Increasing the OCR increases interest rates and helps bring inflation down.

Current OCR is 4.75%， next OCR review date 27/11/2024.

The OCR sets the interest rates on the deposits and loans that registered banks have with us. This affects their earnings and costs, and influences how they set their deposit and loan interest rates for you, as their customer.

The interest rates on the longer-term products depend on what banks’ think will happen to the OCR over the life of your deposit or loan.

This means when we increase expectations for the OCR, banks will usually increase their mortgage rates, business lending rates, and term deposit rates.

央行通过使用OCR（官方现金利率）来实现和维持价格稳定。为了保持价格稳定，提高OCR会增加利率，并有助于降低通货膨胀。目前的OCR为4.75%，下次OCR审查更新日期为2024年11月27日。

OCR设定了商业银行与银行客户之间存款和贷款的利率。这影响它们的收益和成本，并影响它们为您作为客户设置的存款和贷款利率。

长期产品的利率取决于银行对您存款或贷款期限内OCR变化的预期。这意味着，当央行提高对OCR的预期时，银行通常会提高其抵押贷款利率、商业贷款利率和定期存款利率。

The text in the image reads: 1-year carded rate forecast，under 80% LVR clients normally will get 0.75% discount from carded rate, which means, fixed one year special rate for clients under 80% lvr may be around 4.55% by June 2025.

No one knows for sure. The exact numbers will likely be wrong, but it's the general direction we're trying to pick.

这是1年期挂牌利率预测。在贷款价值比（LVR）低于80%的情况下，客户通常可以获得0.75%的利率折扣，这意味着，到2025年6月，LVR低于80%的客户的固定一年的特惠利率可能会在4.55%左右。

没有人能确定这些数字的准确性。具体数字可能会有所偏差，但这反映了我们所尝试捕捉的一般趋势。