请问Fix3年2.9%怎么样？更正Fix涨了！

[NANAKO]

fix 3年 2.9%这个利率怎么样？和variable比呢？？

 

[ccc]

我以为很好了。

 

[CCL]

如果是几家大银行的，相当不错了，赶紧下手吧。我一周多前拿到三年2.95%都已经很高兴了，好像从四月开始利率全部上调了。

 

[NANAKO]

如果是几家大银行的，相当不错了，赶紧下手吧。我一周多前拿到三年2.95%都已经很高兴了，好像从四月开始利率全部上调了。

好的，那准备下手了～～～

 

[NANAKO]

我以为很好了。

村长明鉴，谢谢～～

 

[OCAC]

我2周前拿的3年2.79%

 

[SFU]

再哪里 找到的啊

2。79？
哪家银行的啊

 

[caimin]

2。79？



哪家银行的啊

蔡敏 613-867-9688; min.cai@bmo.com

 

[NANAKO]

果然发发帖子长知识～～

 

[扣 扣]

2。79？
哪家银行的啊

蔡敏 613-867-9688; min.cai@bmo.com

这个真好～～

以后有问题要多问～～

:blowzy:

 

[lazycatcat]

果然发发帖子长知识～～

ING Direct provides 3.99% 10-year mortgage...Their 3-year is 3.19%. For benchmarking, US 10 year treasury is 2% and 15-year is 3.15%.

 

[西迈]

应该是不好. BMO的5年2.99这周刚刚过期. 再去银行在问问吧，三年2.69也就是2-3星期前的事儿啊．TD的.

 

[CCL]

利率好像是四月初才涨的。我当初也想要TD的2.99,可是四月初的时候我去TD就拿不到了，对比了多个地方我最后要了TD的2.95三年，我已经满足了，因为我不用换银行不用找律师不用折腾。

 

[lazycatcat]

fix 3年 2.9%这个利率怎么样？和variable比呢？？

A more interesting question to ask is what is the best variable mortgage rate. If variable is 2%, it will be an interesting decision making process.

In US, Fed hinted low rate till 2014. In Canada, the rate is maintained at 1% a few days ago. If US rate is being kept low, it is hard to image that Canada will be aggressive in raising interest rate, given current above-par CND exchange rate.

The 3-year fixed will expire in middle of 2015. Assume rate starts to go up in the middle of 2014, then ...

Of course, it is always difficult to predict interest rate trend. If the spread is large enough, then variable is also worth taking into consideration...

By the way, banks shall have like variable mortgage better as it costs less to hedge risk of interest rate. Therefore, the spread could be wide ...

 

[NANAKO]

利率好像是四月初才涨的。我当初也想要TD的2.99,可是四月初的时候我去TD就拿不到了，对比了多个地方我最后要了TD的2.95三年，我已经满足了，因为我不用换银行不用找律师不用折腾。

我也是这么想的，尽量都用一家.....