精华 [问题] mortgage rate

本帖由 RayLee2003-05-11 发布。版面名称:我爱我家

  1. oread

    oread 新手上路 ID:161

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    嘿嘿,好消息!Prime Mortgage rate降了吗?
     
  2. oread

    oread 新手上路 ID:161

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    唉,没用。利息降得越多,我的罚款越重。:crying::crying:
     
  3. mega

    mega 知名会员 ID:1747

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    Shouldn't have the rate fixed for too long? your case, 5 years?
     
  4. shusheng

    shusheng CFC 分析员 ID:9508 VIP

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    But if you have a large principal, you better get fixed in long term, so
    you won't suddenly need a large number of money. Does it?

    By the way, when I told a friend in US, that the longest term we got is
    only 5 year here, he's so supprised (appearently then have like 30 year
    term). He asked what's going to happen, *if*, the rate was double or
    trippled in, say, next 10 years? Is everybody going to lose their house?
     
  5. 小帆

    小帆 新手上路 ID:494

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    小傻,Please tell me how can you calculate these out. It's so helpful to manage my budget.
     
  6. oread

    oread 新手上路 ID:161

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    It's called a mortgage calculator and amortization table. All banks provide this kind of online tools.
     
  7. oread

    oread 新手上路 ID:161

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  8. 小傻

    小傻 Emeritus Chief 8 Gua ID:1499 VIP

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  9. oread

    oread 新手上路 ID:161

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    你才TLM呢!张瑞文的这个兔家伙用的不是compound interest,也就是息上加息,是给咪国银用的。哼!:eek::eek:
     
  10. mianfei

    mianfei 本站元老 ID:1025

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    UP!

    any recent rate?
     
  11. oread

    oread 新手上路 ID:161

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    In the past months, Bank of Canada has cut the rate twice, this means that the prime is now 4.5%.:banana: However the long-term mortgage rate has increased a little bit on the opposite.
     
  12. KuCaiHua

    KuCaiHua 新手上路 ID:2285

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    The morgage rate is more corelated to the bond rate. As the stock market goes up recently, the bond yield has been up a lot, which means the morgage rate are up.
    And most importantly, if the economic keep improving, the morgage rate will continue the up trend.
     
  13. oread

    oread 新手上路 ID:161

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    Yes, mortgage rate has been coinciding with the 10-year bond. However there are speculations as whether or not the economy (US economy in particular) is actually recovering. I think it might take a while for Canada to act accordingly since Canada is in general more conservative.
     
  14. Dr_beer

    Dr_beer 知名会员 ID:6544

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    现在的利率如何了?哪里的最便宜?
    我问了一个银行:
    一年:3.3%
    五年:5% (??? so higher?)
     
  15. cy25915

    cy25915 知名会员 ID:20571

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    Try ING direct
     

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