美联储正式宣布加息25个基准点。过去一年来的市场猜测今天正式成为现实。这是美联储9年来首次升息，有着重大的标志性意义。

首先，它意味着全球金融危机结束，世界经济再度步入增长期。

其次，它意味着低利率和廉价资本年代的终结。

过去十年全球范围内的央行纷纷设置低利率以刺激经济的举措可能一去不复返。今天早上，美联储加息的消息公布不久后，香港中央银行随即宣布跟进25个基准点的加息。可以预计在2016年，全球会有越来越多的央行，包括澳洲的RBA，被卷进加息周期。这对于房地产投资者，尤其是高杠杆投资者（简单来说就是欠了银行很多钱的）的影响是巨大的。

澳洲在过去几年中都处在利息下降的周期。因此，浮动利率贷款在过去几年占据了统治性的地位。在过去两年内，浮动利率的客户享受到了整整2个百分点的利率下调。然而，这样的好时光在可预见的未来恐怕一去不复返了。随着全球进入利率上涨周期，澳洲央行明年加息的概率（或者至少是不降息的概率）将会大大提高。这时候，小编觉得房产投资者可以把目光稍稍地往固定利率贷款上挪一挪了。

对了，请看看我们的英文原文, 感谢Shore Finance对本台的投稿。

US Central bank rate hike vs CBA 3.95% 3 years fixed Limited time offer!

Dear Reader

This morning, we have a decade event with US FOMC meeting with the first rate hike in 9 years of 0.25% We have immediately saw the follow suit by the Hong Kong central bank raising 0.25% as well. This highly debated event which has been speculating over an year now and finally becomes the hard fact.

This could stop the cheap money mind set across the globe where almost every central banks are at record low interest rate, which due to low or negative inflation at their country. In the next year or so we could see more central banks including RBA C central bank of Australia starting rate hike.

Variable rate loan product has been the most popular and recommended from the last few years to our client. It gives our client the flexibility to benefit from the rate cut which was over 2% in the last 2 years. Until recently we feel the need more to fix a portion of the loan due to rising investment and bank’s own standard variable rate. Today it’s more important to do so, giving our central bank is more likely to follow the lead from US next year or at least lowered our chance of next rate cut. Banks are willing to offer lower fixed rate compared with their variable to win business. Please be mindful not every banks are willing to offer attractive fixed rate at the moment.

At Shore Financial Recently we have special promotion for loan size 500k+ owner occupied property, no matter refinance or purchase we can help you secure 3.95% 3 years fixed after discount with Commonwealth Bank of Australia.*

For any loan size < $500k will be considered case by case.

No other bank can compare with Commonwealth bank of Australia at this level of offers not only it’s the largest bank in Australia, but it’s also best in terms service and most branches and ATM. It also provides super-fast approval time.

At Shore Financial, from time to time, we not only give out competitive loan package across all the major banks and second tier banks, but recommend the optimum loan structures for the client.

We have other special loan packages available both variable and fixed, Please consult us for more information.

*please note, fixed rate are subject to change otherwise a rate lock fee applies. The rate is true at time writing, and could be changed without notice.

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