Refix 到期前怎么准备
如果固定利率快到期，建议提前了解 6 个月、1 年、18 个月和 2 年等不同期限的利率，并结合现金流、未来卖房或加还款计划来决定。
Mortgage Rates NZ | 房贷利率更新
Mortgage Rates NZ | 新西兰各大银行房贷利率一览
Latest mortgage rates NZ update for selected banks, including 6 month, 1 year, 18 month and 2 year fixed home loan rates. 定期发布新西兰主要银行房贷利率信息，帮助你在买房、refix、转贷或调整贷款结构前快速比较。
查看本期利率Latest update | 最新一期
Mortgage rates update
下图和下方文字表格整理了 ANZ、ASB、BNZ、Westpac、Kiwibank、中国银行、ICBC 和中国建设银行的部分固定房贷利率，方便 Google 和客户都能清楚读取本期信息。
Latest NZ mortgage rates summary - 10 September 2026
This update compares selected New Zealand bank mortgage rates for 6 month, 1 year, 18 month and 2 year fixed home loan terms. Banks included in this rate table are ANZ, ASB, BNZ, Westpac, Kiwibank, Bank of China, ICBC and China Construction Bank.
本期新西兰房贷利率更新日期为 10/09/2026，涵盖部分银行 6 个月、1 年、18 个月和 2 年固定利率。利率和适用条件可能随时变化，申请前应重新确认当前银行政策。
NZ fixed mortgage rates table
Readable text version for Google Search and screen readers. Rates shown are from the 10/09/2026 update image and are general information only.
| Bank | 6 months | 1 year | 18 months | 2 years |
|---|---|---|---|---|
| ANZ | 4.69% | 4.79% | 5.09% | 5.19% |
| ASB | 4.69% | 4.79% | 5.09% | 5.19% |
| BNZ | 4.69% | 4.79% | 5.09% | 5.19% |
| Westpac | 4.75% | 4.79% | 5.09% | 5.19% |
| Kiwibank | 4.65% | 4.79% | Not listed | 5.19% |
| Bank of China | 4.58% | 4.68% | 4.83% | 4.98% |
| ICBC | 4.55% | 4.65% | 4.79% | 4.89% |
| China Construction Bank | 4.35% | 4.49% | 4.49% | 4.64% |
转贷不只是换低利率
Refinance 需要同时看利率、现金返还、法律费用、估值、收入资料和银行审批政策。最低利率未必一定是最合适的方案。
首套房客户要看真实可贷能力
首次买房除了看利率，也要提前准备工资单、银行流水、KiwiSaver、首付来源和信用卡等资料，确认银行实际可批额度。
中文解释银行利率和贷款条款
Amanda 可用中文和英文解释新西兰房贷利率、refix、转贷、投资房贷款和自雇人士贷款，让客户更清楚地做决定。
需要确认最新利率？
利率和适用条件可能随时变化。图片中的 fixed rate specials 通常要求至少 20% equity，实际可选利率也会受银行政策、贷款比例、房产和个人申请情况影响。
如果你正在买房、refix 或转贷，请联系 Amanda 确认当前信息及适合你的贷款选择。
Rate update archive | 历史更新
往期房贷利率
以后发布的新一期利率图片会放在本页顶部，往期版本可继续保留在这里，方便查看更新时间。
各大银行利率一览
查看本期利率
各大银行利率一览
查看往期利率
各大银行利率一览
查看往期利率
各大银行利率一览
查看往期利率Mortgage rates FAQ | 房贷利率常见问题
选择新西兰房贷利率时，常见问题
新西兰房贷利率多久会变？ / How often do mortgage rates change?
房贷利率可能随时调整，取决于银行定价、批发资金成本、央行政策和不同银行的贷款策略。申请前应重新确认当前可用利率。
Mortgage rates can change at any time. Always confirm current lender rates before making a lending decision.
是不是选最低利率就最好？ / Is the lowest rate always best?
不一定。还要看贷款结构、还款灵活度、refix 时间、现金返还、提前还款规则和你的个人计划。
Not always. Structure, flexibility, fees, cashback and future plans can be just as important as the advertised rate.
Refix 和 refinance 有什么区别？ / What is the difference between refix and refinance?
Refix 通常是在现有银行重新固定利率。Refinance 通常是把贷款转到另一家银行，可能涉及重新审批、法律文件和估值。
Refix usually means choosing a new fixed term with your current lender. Refinance usually means moving your loan to another lender.
Contact Amanda
Talk about your mortgage options
如果你正在准备买房、refix、转贷或调整贷款结构，欢迎联系 Amanda，用中文或英文沟通。
Amanda Chen
Mortgage Adviser | Loan Market United
Based in Auckland, supporting clients New Zealand-wide
Call 021 214 3218 amanda.chen@loanmarket.co.nz
WeChat: Amandachen_nz
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