那位给我科普一下，为啥美国有30年的mortgage

[mimi_ge]

现在最新利率穿新低3.88percet 。

加拿大为啥没有这么长的mortgage。是由于国家规定不能设这么长，还是由于衍生产品不发达，无法锁定这么长。

多谢指教。

 

[Riven]

加拿大最长是多少年? 我怎么记得有30年的.

 

[salas88]

35,40以前有，现在没有了,现在最长是30，是财政部规定的，同时降了LTV，为了防止低收入家庭轻率入市和投机炒房

 

[mimi_ge]

加拿大最长是多少年? 我怎么记得有30年的.

加拿大是10年最长可fix rate。

30年是计算你在30年里，每个月还多少。



美国是30年可fix rate，现在3.88percent。

 

[Riven]

加拿大是10年最长可fix rate。

30年是计算你在30年里，每个月还多少。



美国是30年可fix rate，现在3.88percent。

我理解错了, 加拿大确实没有30年fix rate. 我以为是还款年限.

 

[ccc]

我怎么记得加拿大曾经有过35年的mortgage还款年限。是后来（2008/2009?）改掉了。

 

[mimi_ge]

以前有，现在没有了，是财政部规定的，同时降了LTV，为了防止低收入家庭轻率入市和投机炒房

搞不懂，其实30年锁定利率应该是件利民的好事啊。每个人都可以根据自己的能力买房子。再也不用担心啥fix，啥varible的，啥prime ratede，多好的事。

就像现在，加拿大利率一旦大幅上涨，很多人会跳楼的。

 

[ccc]

什么？美国有30-year fixed mortgage rate term？

 

[ccc]

搞不懂，其实30年锁定利率应该是件利民的好事啊。每个人都可以根据自己的能力买房子。再也不用担心啥fix，啥varible的，啥prime ratede，多好的事。

就像现在，加拿大利率一旦大幅上涨，很多人会跳楼的。

那如果开始你的利率锁高了1.5/2.0% (30 years!!!)，你不得跳楼啊！？

 

[salas88]

搞不懂，其实30年锁定利率应该是件利民的好事啊。每个人都可以根据自己的能力买房子。再也不用担心啥fix，啥varible的，啥prime ratede，多好的事。

就像现在，加拿大利率一旦大幅上涨，很多人会跳楼的。

哦，你说的是mortgage term, 不是amortization,对，一般加拿大的银行都是5年的TERM， 10年以上的利率是什么样的谁也不知道，他一旦锁定30年的利率，对老百姓是好事，对银行风险太大，一旦Nominal interest猛涨，银行就要跳楼了。

 

[ccc]

我理解错了, 加拿大确实没有30年fix rate. 我以为是还款年限.

I doubt it. Even it is true, it is a very bad thing.

 

[mimi_ge]

什么？美国有30-year fixed mortgage rate term？

yes，from finance.yahoo.com





WASHINGTON (AP) -- The average rate on the 30-year fixed mortgage fell again this week to a record low. The eighth record low in a year is attracting few takers because most who can afford to buy or refinance have already done so.
Mortgage buyer Freddie Mac said Thursday that the average rate on the 30-year fixed mortgage dipped to 3.88 percent this week, down from the old record of 3.89 percent one week ago.
The average on the 15-year fixed mortgage ticked up to 3.17 percent from 3.16 percent, which was also a record low. Records for mortgage rates date back to the 1950s.
Mortgage rates tend to track the yield on the 10-year Treasury note, which fell below 1.9 percent this week.
For the past three months, the 30-year fixed mortgage rate has hovered near 4 percent. Yet cheap rates on the most popular mortgage option have done little to boost home sales.
High unemployment and scant wage gains have made it harder for many people to qualify for loans. Many don't want to sink money into a home that they fear could lose value over the next few years.
Previously occupied homes are selling just slightly ahead of 2010's dismal pace. New-home sales in 2011 will almost certainly be the worst on records going back half a century.
Builders are hopeful that the low rates could boost sales next year. Low mortgage rates were cited as a key reason the National Association of Home Builders survey of builder sentiment rose strongly in December and January.
So far, the low rates have had minimal impact. Mortgage applications have risen about 6 percent on a seasonally adjusted basis over the past four weeks, according to the Mortgage Bankers Association. But they are coming off extremely low levels.
To calculate the average rates, Freddie Mac surveys lenders across the country Monday through Wednesday of each week.
The average rates don't include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount.
The average fee for the 30-year loan rose to 0.8 from 0.7; the average on the 15-year fixed mortgage was unchanged at 0.8.
For the five-year adjustable loan, the average rate was unchanged at 2.82 percent. The average on the one-year adjustable loan fell to 2.74 percent from 2.76 percent.
The average fee on the five-year adjustable loan rose was unchanged at 0.7; the average on the one-year adjustable-rate loan was unchanged at 0.6.

 

[月下独酌]

historically speaking
variable always > fixed

 

[ccc]

哦，你说的是mortgage term, 不是amortization,对，一般加拿大的银行都是5年的TERM， 10年以上的利率是什么样的谁也不知道，他一旦锁定30年的利率，对老百姓是好事，对银行风险太大，一旦Nominal interest猛涨，银行就要跳楼了。

锁定30年的利率，对老百姓是好事?

那如果开始你的利率锁高了，人家后来买房的人都比你低２％，你不得跳楼啊！？

 

[mimi_ge]

哦，你说的是mortgage term, 不是amortization,对，一般加拿大的银行都是5年的TERM， 10年以上的利率是什么样的谁也不知道，他一旦锁定30年的利率，对老百姓是好事，对银行风险太大，一旦Nominal interest猛涨，银行就要跳楼了。

5年的是普通的，我知道。加拿大好像还有最多10年的term，很贵的rate。



所以我说美国人民幸福啊。可以锁定30年利率。