近年来，“银行抢劫”一词在澳洲有了新的含义，不再是电影中面具歹徒持枪的戏剧性场景，而是银行通过利率调整对客户的“隐形牵制”。

据RealEstate网站报道，历来，澳洲储备银行（RBA）一旦加息，各大银行迅速将压力传递给客户，然而降息时，银行的反应却耐人寻味。

数据显示，自2022年以来，RBA经历了13次加息，银行无一例外全额传导。但在此之前的10年内，RBA曾10次降息，四大银行中的Commonwealth Bank、NAB和ANZ仅传导了四次降息，而Westpac更是只有两次。

今年2月，这一局面发生转变。在降息广受期待下，四大银行迅速宣布将全额传导。根据对比网站Finder的数据，111家贷款机构中，大部分纷纷跟进。

面对少数未传导的银行，有网站推出了“羞耻名单”以督促其行动。至5月，不满名单上的机构几乎已所剩无几。

在澳洲，一笔约60万澳元的普通贷款中，0.25%的降息每年可节省约1200澳元，两次则可节省2400澳元，对高于平均抵押贷款的澳洲居民而言，这是一笔不容小觑的节省。

Finder消费者研究负责人Graham Cooke指出，银行业的竞争环境加速了降息传导。“若一家主要银行选择全额传导降息，其他银行便承受着巨大的竞争压力，以吸引和稳定客户，”他说。

对于那些希望节省开支的房主，Cooke建议关注市场，以获得更优惠的贷款利率。“即便利率仅降低半个百分点，每年也可能节省数千澳元。浮动利率现已下降至‘5’字开头。”

已降息的机构以及生效日期

ANZ: 5.59- 30 May

CommBank: 5.59- 30 May

NAB: 5.94- 30 May

Westpac: 5.59- 3 June

Adelaide Bank: 5.79- 6 June

AMP: 5.64- 2 June

Arab Bank Australia: 5.45- 3 June

Athena: 5.74- 20 May

Aussie: 5.69- 6 June

Australian Military Bank: 5.64- 3 June

Australian Mutual Bank: 5.39- 1 June

Australian Unity: 5.54- 4 June

AusWide Bank: 5.59- 5 June

Bank Australia: 5.63- 2 June

Bank First: 5.49- 29 May

Bank of China: 5.43- 3 June

Bank of Melbourne: 5.79- 3 June

Bank of Sydney: 5.54- 3 June

Bank of us: 5.64- 11 June

Bank Orange: 5.44- 2 June

BankSA: 5.79- 3 Jun

BankVic: 5.48- 3 June

BankWAW: 5.29- 3 June

Bankwest: 5.69- 30 May

bcu: 5.49- 10 June

Bendigo Bank: 5.64- 6 June

Beyond Bank: 5.64- 3 June

Bluestone: 6.54- 11 June

BOQ: 5.63- 6 June

Border Bank: 5.34- 27 May

Broken Hill Bank: 6.39- 4 June

Cairns Bank: 5.74- 4 June

Central Murray Credit Union: 6.74- 2 June

Central West Credit Union: 5.79- 29 May

Coastline Credit Union: 6.44- 29 May

Community First Bank: 5.49- 11 June

Credit Union SA: 5.49- 4 June

Defence Bank: 5.59- 28 May

Dnister: 5.59- 3 June

Easy Street: 5.59- 4 June

Fire Service Credit Union: 5.59- 1 June

Firefighters Mutual Bank: 5.49- 1 June

Firstmac: 5.78- 3 June

First Option Bank: 5.49- 2 June

Freedom Lend: 5.65- 16 June

G & C Mutual Bank: 5.49- 1 June

Gateway Bank: 5.45- 27 May

Geelong Bank: 5.64- 30 May

Goulburn Murray Credit Union: 5.69- 3 June

Greater Bank: 5.49- 30 May

Great Southern Bank: 5.64- 3 June

Heritage Bank: 5.49- 30 May

Homeloans: 5.89- 11 June

HomeStar Finance: 5.49- 16 June

Horizon Bank: 5.39- 1 June

HSBC: 5.49- 2 June

Hume Bank: 5.49- 2 June

Illawarra Credit Union: 5.49- 4 June

IMB: 5.54- 30 May

ING: 5.64- 3 June

Liberty Financial: 5.99- 3 June

loans.com.au: 5.49- 3 June

Macquarie Bank: 5.64- 23 May

ME: 5.63- 7 June

Mortgage House: 5.39- 6 June

MOVE Bank: 5.44- 1 June

MyState Bank: 5.54- 5 June

Newcastle Permanent: 5.49- 30 May

NICU: 5.49- 1 June

NRMA Insurance Home Loan: 5.53- 6 June

P & N Bank: 5.63- 10 June

Pacific Mortgage Group: 5.39- 2 June

People’s Choice Credit Union: 5.39- 30 May

Pepper Money: 6.04- 5 June

Police Bank: 5.34- 27 May

Police Credit Union: 5.49- 1 June

Qantas Money: 5.68- 6 June

QBank: 5.49- 6 June

Qudos Bank: 5.44- 29 May

Queensland Country Bank: 5.49- 4 June

RACQ Bank: 5.39- 3 June

Regional Australia Bank: 5.44- 4 June

resi: 6.39- 20 May

RESIMAC Financial Services: 5.89- 11 June

Southern Cross Credit Union: 5.73- 1 June

South West Slopes Bank: 5.70- 3 June

St. George: 5.79- 3 June

Sucasa: 6.05- 5.89- 16 June

Summerland Bank: 5.34- 3 June

Suncorp: 5.65- 30 May

Teachers Mutual Bank: 5.49- 1 June

The Capricornian: 5.39- 6 June

The Mac: 5.42- 4 Jun

The Mutual Bank: 5.49- TBC

Tiimely Home: 5.54- 6 June

Transport Mutual Credit Union: 6.44- 2 June

Ubank: 5.59- 29 May

UniBank: 5.49- 1 June

Unity Bank: 5.49- 1 June

Unloan: 5.49- 20 May

Up Home Loan: 5.50- 1 June

Virgin Money: 6.19- 6 June

Warwick Credit Union: 5.89- 4 June

Woolworths Team Bank: 5.69- 10 June

Yard: 5.89- 6 June

Yellow Brick Road: 6.39- 20 May

尚未降息的机构

Family First Credit Union: 5.70

La Trobe: 6.54

Laboratories Credit Union: 5.95

Reduce: 5.74

Well Money: 5.81

主编：森高／编辑：Steven

素材来源：澳洲新闻集团、今日澳洲 大澳网