移民生活北美論壇 :: 買房賣房 - 最近的貸款利率有點奇怪

#1: 作者: MyLuckIsBack, 時間: 2019-9-12 11:13

一般是短期的低於長期的，浮動的低於固定的
剛才在ratehub和ratespy看了下，五年固定最低都可以做到2.4%
5年浮動的倒是2.65%
短期固定的大概2.5%

這是利率長期下行的意思？

Because fixed rates don’t change over the length of the mortgage, they are traditionally higher than variable rates, which can change over the course of the loan depending on how interest rates shift. However, data from LowestRates.ca shows that the best variable mortgage rate on the market right now is one basis point higher than the lowest fixed rate: 2.65%.

The market is pricing in that the Bank of Canada will cut interest rates this year, but the Bank of Canada has not done so nor is it suggesting that it will. That leaves a disconnect in the market.

In the case of fixed mortgage rates, we need to look at what’s been happening to bond yields to understand why rates have fallen. To calculate how much interest they’ll charge customers for fixed-rate loans, lenders look at how much it costs for themselves to borrow money via the bond market. When lenders can borrow money at low rates, they’ll typically carry those savings over to their own customers by slashing their fixed rates.

And right now, it’s cheap for lenders to borrow. The yield on a five-year Government of Canada bond dropped below 1.3% this month — the continuation of a steady downward trend that started last fall as the market began to increasingly fear an approaching recession in Canada. The yield hasn’t dipped this low since June of 2017.

Variable rates, on the other hand, are calculated based on the overnight interest rate set by the Bank of Canada (BoC), the country’s central bank. After a series of hikes in 2018, the bank set its overnight rate at 1.75% in October, and hasn’t moved it since.

As talk of a possible recession began to grow louder, based on a slowed economy, uncertainty around trade conflicts, low oil prices and sluggish consumer spending, economists started to shift their predictions about the BoC’s next move, which is now widely expected to entail either a rate cut or no rate changes for the rest of the year.

#3: 作者: Hewett, 時間: 2019-9-12 14:48

歐洲央行 (ECB) 也宣布降息、並準備於 11 月 1 日重啟量化寬鬆 (QE)

#5: 作者: damnff, 時間: 2019-9-12 23:05

還在考慮要不要繼續用皇家銀行

利率高

#6: 作者: the604kid, 時間: 2019-9-13 21:58

八月份已經開始說十年期貨利率比唡年的還低，吹起了經濟蕭條的預兆

#7: 作者: Hstt, 時間: 2019-9-13 22:15

浮動的，俺還在付3.25%.. 昏倒。。

#8: 作者: maymay6404, 時間: 2019-9-13 22:41

Hstt 寫道:

浮動的，俺還在付3.25%.. 昏倒。。

不是說浮動轉固定不要罰款嗎？為什麼不轉固定？

#9: 作者: 南北西京, 時間: 2019-9-13 22:46

Hstt 寫道:

浮動的，俺還在付3.25%.. 昏倒。。

浮動的，俺也是付3.25%..
俺一直想等央行降息後再鎖定兩年。

#10: 作者: Hewett, 時間: 2019-9-13 22:50

下個月美國降，加拿大那個跟屁蟲！