澳洲央行升息至 4.85%、18 年新高：學會 cash rate、unanimous、pass on

新聞日期：2026 年 11 月 3 日（澳洲）｜英文程度：B1–B2｜主題：國際新聞、財經英文

澳洲央行（RBA）在 11 月 3 日宣布升息 1 碼，把現金利率（cash rate）從 4.60% 調高到 4.85%，是 2008 年以來的最高水準。對正在澳洲打工度假、留學，或準備出發的人來說，這則新聞和房租、生活費息息相關。

財經新聞常出現 cash rate、percentage point、pass on 這類字，第一次看可能卡住，但其實用法很固定。這篇用一則原創改寫的英文短文，帶你看懂澳洲升息新聞，並學會 10 個在職場、生活都用得到的單字和句型。

想知道升息前市場怎麼預期？可以先讀澳洲可能第五度升息？這篇前情提要。

建議先不看中文讀一次，試著抓出三個重點：利率從多少調到多少？理事會投票結果是幾比幾？對有房貸的家庭有什麼影響？

English Level：Intermediate（B1–B2）｜Topic：Economy, Australia

Australia's Central Bank Raises Rates to an 18-Year High

On 3 November, the Reserve Bank of Australia (RBA) raised its cash rate by 0.25 percentage points, from 4.60% to 4.85%. According to ABC News, it was the bank's fifth increase this year and took the rate to its highest level since 2008. The decision was not unanimous: six board members voted for the hike, while three wanted to keep the rate unchanged.

The RBA said inflation remains elevated and is broadly based, which means prices are rising across many parts of the economy. It pointed to higher fuel and other commodity prices linked to the conflict in the Middle East, as well as fast-rising prices for technology goods. The bank now expects inflation to stay above 3% for the coming year and not to reach the top of its 2–3% target range until late 2027.

For households, the hike means bigger mortgage bills. Macquarie was the first lender to pass on the 0.25 percentage point increase, effective 19 November. Canstar, a comparison site, estimated that someone with a $600,000 mortgage will now pay about $456 more each month than at the start of the year.

The decision also sparked a political debate. Treasurer Jim Chalmers said government budgets were not what was pushing inflation higher, while Opposition Leader Angus Taylor argued that the government was spending too much. The RBA's next meeting will be held on 7–8 December.

上方英文為依據澳洲央行聲明及 ABC News 報導原創撰寫的學習短文，並非新聞媒體逐字原文；文中金額為澳幣。

11 月 3 日，澳洲準備銀行（澳洲央行，RBA）將現金利率調升 0.25 個百分點，從 4.60% 升至 4.85%。根據 ABC News 報導，這是央行今年第五次升息，也讓利率來到 2008 年以來的最高水準。這項決定並非全體一致：六位理事投票支持升息，另外三位則希望維持利率不變。

澳洲央行表示，通膨仍然偏高，而且範圍廣泛，代表物價正在經濟的許多層面上漲。央行指出，中東衝突推高了燃料與其他大宗商品價格，科技產品價格也快速上漲。央行目前預估，未來一年通膨將維持在 3% 以上，要到 2027 年底才會降到 2–3% 目標區間的上緣。

對家庭來說，升息代表房貸帳單變得更重。Macquarie 是第一家把這次 0.25 個百分點升幅反映給客戶的放款機構，11 月 19 日生效。比價網站 Canstar 估算，房貸 60 萬澳幣的人，現在每月要比年初多付約 456 澳幣。

這項決定也引發政治論戰。財政部長 Jim Chalmers 表示，推升通膨的並不是政府預算；反對黨領袖 Angus Taylor 則認為政府花錢太多。澳洲央行下一次會議將在 12 月 7–8 日舉行。

1. cash rate（n.）現金利率；澳洲央行的政策利率

新聞用法：the RBA raised its cash rate to 4.85%

例句：My friend in Brisbane says his rent went up after the cash rate rose again.
我在布里斯本的朋友說，現金利率又調升後，他的房租也漲了。

2. raise（v.）調高、提高（及物動詞，後面要接受詞）

新聞用法：raised its cash rate by 0.25 percentage points

例句：Our company raised salaries by 3% this year.
我們公司今年調薪 3%。

3. percentage point（n.）百分點

新聞用法：by 0.25 percentage points（＝ 25 basis points，俗稱「1 碼」）

例句：My TOEIC listening accuracy went up by 10 percentage points.
我的多益聽力答對率提高了 10 個百分點。

4. unanimous（adj.）全體一致的

新聞用法：The decision was not unanimous.

例句：The team made a unanimous decision to hold the meeting online.
團隊一致決定改成線上開會。

5. hike（n./v.）（價格、利率的）調升

新聞用法：voted for the hike

例句：The MRT fare hike surprised many students.
捷運票價調漲讓很多學生很意外。

6. inflation（n.）通貨膨脹

新聞用法：inflation remains elevated

例句：Because of inflation, my lunch now costs NT$150 instead of NT$120.
因為通膨，我的午餐從 120 元變成 150 元。

7. mortgage（n.）房屋貸款

新聞用法：bigger mortgage bills

例句：My parents finally paid off their mortgage last year.
我爸媽去年終於把房貸還清了。

8. lender（n.）放款機構、借錢給人的一方

新聞用法：the first lender to pass on the increase

例句：Compare different lenders before you apply for a student loan.
申請學貸前，先比較不同的放款機構。

9. pass on (to)（phr. v.）把（成本、漲幅）轉嫁給

新聞用法：pass on the 0.25 percentage point increase

例句：The café passed on the higher milk prices to customers.
這家咖啡店把牛奶漲價的成本轉嫁給客人。

10. spark（v.）引發、激起

新聞用法：sparked a political debate

例句：His post about working holidays sparked a long discussion online.
他那篇打工度假的貼文在網路上引發熱烈討論。

句型 1：take … to its highest level since + 時間點（創下…以來新高）

原句：It took the rate to its highest level since 2008.

說明：描述數字「創下某年以來新高」，新聞和簡報都很常用。反義是 lowest level since。

套用：Rising rent took our living costs to their highest level since we moved to Sydney.
房租上漲，讓我們的生活費來到搬到雪梨以來的最高點。

句型 2：expect + 受詞 + not to V … until + 時間（預期要到…才）

原句：The bank expects inflation to stay above 3% for the coming year and not to reach the top of its target range until late 2027.

說明：not … until 表示「直到某時才…」，強調比預期晚。expect 的否定可放在 to 前面：expect something not to do。

套用：I expect my English to improve quickly, but not to reach IELTS 7 until next year.
我預期英文會進步很快，但要到明年才會到雅思 7 分。

句型 3：A said …, while B argued …（A 說…，B 則認為…）

原句：Jim Chalmers said …, while Angus Taylor argued that the government was spending too much.

說明：用 while 連接兩方不同意見，呈現對比。寫新聞摘要、會議紀錄時，用來平衡呈現雙方立場。

套用：My manager said the plan was ready, while the designer argued it needed more time.
主管說計畫已就緒，設計師則認為還需要更多時間。

情境：準備去澳洲打工度假的 Amy，和已在墨爾本的朋友 Ben 視訊。

English Conversation

• Amy: I saw the news. The RBA raised the cash rate again?
• Ben: Yes, to 4.85%. It's the highest level since 2008.
• Amy: Does that affect people like us? We don't have a mortgage.
• Ben: Not directly, but some landlords pass on higher costs to tenants.
• Amy: So rent might go up. That's not great news.
• Ben: Right. Inflation is still high, so budget carefully when you arrive.
• Amy: Good idea. I'll compare rooms before I sign anything.
• Ben: Smart. And don't forget to check your pay rate, too.

中文翻譯

• Amy：我看到新聞了。澳洲央行又升息了？
• Ben：對，升到 4.85%，是 2008 年以來最高。
• Amy：這會影響我們這種人嗎？我們又沒有房貸。
• Ben：不會直接影響，但有些房東會把增加的成本轉嫁給房客。
• Amy：所以房租可能會漲，這可不是好消息。
• Ben：對啊。通膨還是很高，妳到了以後要好好規劃預算。
• Amy：好主意。簽約之前我會先多比較幾間房間。
• Ben：聰明。也別忘了確認自己的時薪。

建議先不要回頭看文章，選好答案按下確認，就會看到解析。

看懂新聞只是第一步，能用英文聊新聞、表達自己的看法，才是真正派得上用場的能力。Ambitious Learner 的一對一線上英文課，可以依你的程度和目標（例如打工度假面試、租屋溝通、職場會議）安排主題練習。

如果想在出發前密集加強，也可以了解菲律賓遊學方案，或先看澳洲打工度假的準備重點。學習成效因人而異，歡迎透過官方 LINE預約諮詢，找出適合你的節奏。

• 澳洲可能第五度升息？：升息前的市場預期與 rate hike 用法。
• 資料外洩英文怎麼說？：從 NSW Health 資安事件學 data breach。
• 職場英文溝通的專業進階：6 大策略，讓會議、Email 與跨國協作更精準。
• 日光節約時間英文怎麼說？：學會 fall back、time difference。

• Reserve Bank of Australia：Statement by the Monetary Policy Board: Monetary Policy Decision（2026-30）｜2026/11/03
• ABC News：RBA hikes cash rate to 18-year high of 4.85 per cent — as it happened｜2026/11/03
• ABC News：Federal politics live｜2026/11/04
• Reserve Bank of Australia：Board meeting schedules｜下次會議 12/7–8

資料查核日期：2026/11/5。英文閱讀短文、例句、對話及測驗為 Ambitious Learner 教學用途之原創內容，並非新聞媒體逐字原文。房貸增加金額為 Canstar 估算值，實際影響因貸款條件與個人狀況而異。