千呼万唤始出来~~ 房贷利率终于开始升高了！
- 主题发起人 reine02
- 开始时间
- 注册
- 2003-08-23
- 消息
- 26,207
- 荣誉分数
- 5,637
- 声望点数
- 373
Long Term GICs
GIC Market Hours of Operation: 9:00AM - 4:00PM EST
Cut-off times for Early GIC Redemption requests:
Requests received before 2 p.m. ET - processed same day if approved.
Requests received after 2 p.m. ET - processed the following day if approved.
GICs cannot be sold prior to maturity, except the following products which are no longer available for purchase:
For RIF Payments involving Flexi-GICs, RIF Department approval is required before sell requests can be processed.
Note: CDIC (basic deposit insurance coverage) applies to term deposits repayable no later than five years from the date of deposit
1 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TD1M 1.400 TD1S 1.400 TD1A 1.400 n/a n/a
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.500 n/a n/a
AGF Trust AGFM 1.075 AGFS 1.200 AGF1A 1.450 n/a n/a
Bank of Nova Scotia BNS1M 1.225 BNS1S 1.275 BNS1A 1.350 n/a n/a
BMO Advisor Advant. Tr. AAT1M 1.150 AAT1S 1.200 AAT1A 1.300 n/a n/a
Canadian Tire Bank CDT1M 1.100 CDT1S 1.200 CDT1A 1.300 n/a n/a
Canadian Western Bank CWB1M 1.250 n/a n/a CWB1A 1.500 n/a n/a
Equitable Trust EQT1M 1.700 EQT1S 1.800 EQT1A 1.900 n/a n/a
HSBC Trust Company HSBM 1.100 n/a n/a HSB1A 1.350 n/a n/a
Manulife Bank ML1M 1.300 ML1S 1.350 ML1A 1.400 n/a n/a
Royal Bank of Canada RBC1M 1.225 RBC1S 1.225 RBC1A 1.350 n/a n/a
top
2 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TDM2M 1.100 TDM2S 1.100 TDM2A 1.100 TDM2C 1.100
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.450 n/a n/a
AGF Trust AGF2M 1.375 AGF2S 1.500 AGF2A 1.750 AGF2C 1.750
Bank of Nova Scotia BNS2M 1.575 BNS2S 1.625 BNS2A 1.700 BNS2C 1.700
BMO Advisor Advant. Tr. AAT2M 1.250 AAT2S 1.300 AAT2A 1.400 AAT2C 1.400
Canadian Tire Bank CDT2M 1.400 CDT2S 1.500 CDT2A 1.600 CDT2C 1.600
Canadian Western Bank CWB2M 1.450 n/a n/a CWB2A 1.700 CWB2C 1.700
Equitable Trust EQT2M 1.600 EQT2S 1.700 EQT2A 1.800 EQT2C 1.800
HSBC Trust Company HSB2M 1.400 n/a n/a HSB2A 1.650 HSB2C 1.650
Manulife Bank ML2M 1.550 ML2S 1.600 ML2A 1.650 ML2C 1.650
Royal Bank of Canada RBC2M 1.575 RBC2S 1.575 RBC2A 1.700 RBC2C 1.700
top
3 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TDM3M 1.350 TDM3S 1.350 TDM3A 1.350 TDM3C 1.350
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.500 n/a n/a
AGF Trust AGF3M 1.525 AGF3S 1.650 AGF3A 1.900 AGF3C 1.900
Bank of Nova Scotia BNS3M 1.775 BNS3S 1.825 BNS3A 1.900 BNS3C 1.900
BMO Advisor Advant. Tr. AAT3M 1.450 AAT3S 1.500 AAT3A 1.600 AAT3C 1.600
Canadian Tire Bank CDT3M 1.600 CDT3S 1.700 CDT3A 1.800 CDT3C 1.800
Canadian Western Bank CWB3M 1.600 n/a n/a CWB3A 1.850 CWB3C 1.850
Equitable Trust EQT3M 1.860 EQT3S 1.960 EQT3A 2.060 EQT3C 2.060
HSBC Trust Company HSB3M 1.600 n/a n/a HSB3A 1.850 HSB3C 1.850
Manulife Bank ML3M 1.650 ML3S 1.700 ML3A 1.750 ML3C 1.750
Royal Bank of Canada RBC3M 1.775 RBC3S 1.775 RBC3A 1.900 RBC3C 1.900
top
4 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TD4M 1.570 TD4S 1.570 TD4A 1.570 TD4C 1.570
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.700 n/a n/a
AGF Trust AGF4M 1.675 AGF4S 1.800 AGF4A 2.050 AGF4C 2.050
Bank of Nova Scotia BNS4M 2.025 BNS4S 2.075 BNS4A 2.150 BNS4C 2.150
BMO Advisor Advant. Tr. AAT4M 1.750 AAT4S 1.800 AAT4A 1.900 AAT4C 1.900
Canadian Tire Bank CDT4M 1.750 CDT4S 1.850 CDT4A 1.950 CDT4C 1.950
Canadian Western Bank CWB4M 1.750 n/a n/a CWB4A 2.000 CWB4C 2.000
Equitable Trust EQT4M 1.900 EQT4S 2.000 EQT4A 2.100 EQT4C 2.100
HSBC Trust Company HSB4M 1.850 n/a n/a HSB4A 2.100 HSB4C 2.100
Manulife Bank ML4M 1.900 ML4S 1.950 ML4A 2.000 ML4C 2.000
Royal Bank of Canada RBC4M 2.025 RBC4S 2.025 RBC4A 2.150 RBC4C 2.150
top
5 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TD5M 1.700 TD5S 1.700 TD5A 1.700 TD5C 1.700
TD $U.S. GIC n/a n/a n/a n/a TDMUA 1.000 n/a n/a
AGF Trust AGF5M 1.875 AGF5S 2.000 AGF5A 2.250 AGF5C 2.250
Bank of Nova Scotia BNS5M 2.175 BNS5S 2.225 BNS5A 2.300 BNS5C 2.300
BMO Advisor Advant. Tr. AAT5M 2.000 AAT5S 2.050 AAT5A 2.150 AAT5C 2.150
Canadian Tire Bank CDT5M 2.100 CDT5S 2.200 CDT5A 2.300 CDT5C 2.300
Canadian Western Bank CWB5M 1.950 n/a n/a CWB5A 2.200 CWB5C 2.200
Equitable Trust EQT5M 2.100 EQT5S 2.200 EQT5A 2.300 EQT5C 2.300
HSBC Trust Company HSB5M 2.000 n/a n/a HSB5A 2.250 HSB5C 2.250
Manulife Bank ML5M 2.100 ML5S 2.150 ML5A 2.200 ML5C 2.200
Royal Bank of Canada RBC5M 2.125 RBC5S 2.125 RBC5A 2.250 RBC5C 2.250
top
6, 7, 10 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
BMO Advisor Advant. Tr. AAT6M 2.050 AAT6S 2.100 AAT6A 2.200 AAT6C 2.200
BMO Advisor Advant. Tr. AAT7M 2.250 AAT7S 2.300 AAT7A 2.400 AAT7C 2.400
BMO Advisor Advant. Tr. AA10M 2.650 AA10S 2.700 AA10A 2.800 AA10C 2.800
Short Term GICs top
Issuer Symbol 30-59 days 60-89 days 90-119 days 120-179 days 180-269 days 270-364 days Minimum
TD Bank TDM 1.150 1.200 1.250 1.350 1.400 1.400 $5,000.00
TD $U.S. GIC TDUBE 0.000 0.000 0.000 0.000 0.150 0.200 $5,000.00
TD $U.S. GIC TDUCE 0.000 0.000 0.000 0.000 0.150 0.200 $25,000.00
TD $U.S. GIC TDUDE 0.000 0.000 0.000 0.000 0.150 0.200 $100,000.00
GIC Minimums top
Issuer Monthly Semi-Annual Annual Compound Annual
TD Bank n/a n/a $1,000.00 $1,000.00
TD Mortgage Corp $5,000.00 $1,000.00 $1,000.00 $1,000.00
TD Pacific Mtg Corp $5,000.00 $1,000.00 $1,000.00 $1,000.00
Canada Trust Company $5,000.00 $1,000.00 $1,000.00 $1,000.00
AGF Trust $25,000.00 $5,000.00 $5,000.00 $5,000.00
Bank of Nova Scotia $5,000.00 $1,000.00 $1,000.00 $1,000.00
BMO Advisor Advant. Tr. $1,000.00 $1,000.00 $1,000.00 $1,000.00
Canadian Tire Bank $5,000.00 $5,000.00 $5,000.00 $5,000.00
Canadian Western Bank $5,000.00 $5,000.00 $5,000.00 $5,000.00
Equitable Trust $5,000.00 $5,000.00 $5,000.00 $5,000.00
HSBC Trust Company $5,000.00 n/a $5,000.00 $5,000.00
Manulife Bank $10,000.00 $2,500.00 $2,500.00 $2,500.00
Royal Bank of Canada $5,000.00 $5,000.00 $5,000.00 $5,000.00
top
GIC Market Hours of Operation: 9:00AM - 4:00PM EST
Cut-off times for Early GIC Redemption requests:
Requests received before 2 p.m. ET - processed same day if approved.
Requests received after 2 p.m. ET - processed the following day if approved.
GICs cannot be sold prior to maturity, except the following products which are no longer available for purchase:
- TD Wait & See*
- TD Pre-Encashable "Money Market" GIC (guaranteed rate)
- TD Premium Rate Redeemable GIC (Note: interest clawback will be applied)
- 1+1, Triple Value and 5 Year Stepper (on anniversary date only)
For RIF Payments involving Flexi-GICs, RIF Department approval is required before sell requests can be processed.
Note: CDIC (basic deposit insurance coverage) applies to term deposits repayable no later than five years from the date of deposit
1 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TD1M 1.400 TD1S 1.400 TD1A 1.400 n/a n/a
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.500 n/a n/a
AGF Trust AGFM 1.075 AGFS 1.200 AGF1A 1.450 n/a n/a
Bank of Nova Scotia BNS1M 1.225 BNS1S 1.275 BNS1A 1.350 n/a n/a
BMO Advisor Advant. Tr. AAT1M 1.150 AAT1S 1.200 AAT1A 1.300 n/a n/a
Canadian Tire Bank CDT1M 1.100 CDT1S 1.200 CDT1A 1.300 n/a n/a
Canadian Western Bank CWB1M 1.250 n/a n/a CWB1A 1.500 n/a n/a
Equitable Trust EQT1M 1.700 EQT1S 1.800 EQT1A 1.900 n/a n/a
HSBC Trust Company HSBM 1.100 n/a n/a HSB1A 1.350 n/a n/a
Manulife Bank ML1M 1.300 ML1S 1.350 ML1A 1.400 n/a n/a
Royal Bank of Canada RBC1M 1.225 RBC1S 1.225 RBC1A 1.350 n/a n/a
top
2 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TDM2M 1.100 TDM2S 1.100 TDM2A 1.100 TDM2C 1.100
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.450 n/a n/a
AGF Trust AGF2M 1.375 AGF2S 1.500 AGF2A 1.750 AGF2C 1.750
Bank of Nova Scotia BNS2M 1.575 BNS2S 1.625 BNS2A 1.700 BNS2C 1.700
BMO Advisor Advant. Tr. AAT2M 1.250 AAT2S 1.300 AAT2A 1.400 AAT2C 1.400
Canadian Tire Bank CDT2M 1.400 CDT2S 1.500 CDT2A 1.600 CDT2C 1.600
Canadian Western Bank CWB2M 1.450 n/a n/a CWB2A 1.700 CWB2C 1.700
Equitable Trust EQT2M 1.600 EQT2S 1.700 EQT2A 1.800 EQT2C 1.800
HSBC Trust Company HSB2M 1.400 n/a n/a HSB2A 1.650 HSB2C 1.650
Manulife Bank ML2M 1.550 ML2S 1.600 ML2A 1.650 ML2C 1.650
Royal Bank of Canada RBC2M 1.575 RBC2S 1.575 RBC2A 1.700 RBC2C 1.700
top
3 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TDM3M 1.350 TDM3S 1.350 TDM3A 1.350 TDM3C 1.350
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.500 n/a n/a
AGF Trust AGF3M 1.525 AGF3S 1.650 AGF3A 1.900 AGF3C 1.900
Bank of Nova Scotia BNS3M 1.775 BNS3S 1.825 BNS3A 1.900 BNS3C 1.900
BMO Advisor Advant. Tr. AAT3M 1.450 AAT3S 1.500 AAT3A 1.600 AAT3C 1.600
Canadian Tire Bank CDT3M 1.600 CDT3S 1.700 CDT3A 1.800 CDT3C 1.800
Canadian Western Bank CWB3M 1.600 n/a n/a CWB3A 1.850 CWB3C 1.850
Equitable Trust EQT3M 1.860 EQT3S 1.960 EQT3A 2.060 EQT3C 2.060
HSBC Trust Company HSB3M 1.600 n/a n/a HSB3A 1.850 HSB3C 1.850
Manulife Bank ML3M 1.650 ML3S 1.700 ML3A 1.750 ML3C 1.750
Royal Bank of Canada RBC3M 1.775 RBC3S 1.775 RBC3A 1.900 RBC3C 1.900
top
4 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TD4M 1.570 TD4S 1.570 TD4A 1.570 TD4C 1.570
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.700 n/a n/a
AGF Trust AGF4M 1.675 AGF4S 1.800 AGF4A 2.050 AGF4C 2.050
Bank of Nova Scotia BNS4M 2.025 BNS4S 2.075 BNS4A 2.150 BNS4C 2.150
BMO Advisor Advant. Tr. AAT4M 1.750 AAT4S 1.800 AAT4A 1.900 AAT4C 1.900
Canadian Tire Bank CDT4M 1.750 CDT4S 1.850 CDT4A 1.950 CDT4C 1.950
Canadian Western Bank CWB4M 1.750 n/a n/a CWB4A 2.000 CWB4C 2.000
Equitable Trust EQT4M 1.900 EQT4S 2.000 EQT4A 2.100 EQT4C 2.100
HSBC Trust Company HSB4M 1.850 n/a n/a HSB4A 2.100 HSB4C 2.100
Manulife Bank ML4M 1.900 ML4S 1.950 ML4A 2.000 ML4C 2.000
Royal Bank of Canada RBC4M 2.025 RBC4S 2.025 RBC4A 2.150 RBC4C 2.150
top
5 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TD5M 1.700 TD5S 1.700 TD5A 1.700 TD5C 1.700
TD $U.S. GIC n/a n/a n/a n/a TDMUA 1.000 n/a n/a
AGF Trust AGF5M 1.875 AGF5S 2.000 AGF5A 2.250 AGF5C 2.250
Bank of Nova Scotia BNS5M 2.175 BNS5S 2.225 BNS5A 2.300 BNS5C 2.300
BMO Advisor Advant. Tr. AAT5M 2.000 AAT5S 2.050 AAT5A 2.150 AAT5C 2.150
Canadian Tire Bank CDT5M 2.100 CDT5S 2.200 CDT5A 2.300 CDT5C 2.300
Canadian Western Bank CWB5M 1.950 n/a n/a CWB5A 2.200 CWB5C 2.200
Equitable Trust EQT5M 2.100 EQT5S 2.200 EQT5A 2.300 EQT5C 2.300
HSBC Trust Company HSB5M 2.000 n/a n/a HSB5A 2.250 HSB5C 2.250
Manulife Bank ML5M 2.100 ML5S 2.150 ML5A 2.200 ML5C 2.200
Royal Bank of Canada RBC5M 2.125 RBC5S 2.125 RBC5A 2.250 RBC5C 2.250
top
6, 7, 10 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
BMO Advisor Advant. Tr. AAT6M 2.050 AAT6S 2.100 AAT6A 2.200 AAT6C 2.200
BMO Advisor Advant. Tr. AAT7M 2.250 AAT7S 2.300 AAT7A 2.400 AAT7C 2.400
BMO Advisor Advant. Tr. AA10M 2.650 AA10S 2.700 AA10A 2.800 AA10C 2.800
Short Term GICs top
Issuer Symbol 30-59 days 60-89 days 90-119 days 120-179 days 180-269 days 270-364 days Minimum
TD Bank TDM 1.150 1.200 1.250 1.350 1.400 1.400 $5,000.00
TD $U.S. GIC TDUBE 0.000 0.000 0.000 0.000 0.150 0.200 $5,000.00
TD $U.S. GIC TDUCE 0.000 0.000 0.000 0.000 0.150 0.200 $25,000.00
TD $U.S. GIC TDUDE 0.000 0.000 0.000 0.000 0.150 0.200 $100,000.00
GIC Minimums top
Issuer Monthly Semi-Annual Annual Compound Annual
TD Bank n/a n/a $1,000.00 $1,000.00
TD Mortgage Corp $5,000.00 $1,000.00 $1,000.00 $1,000.00
TD Pacific Mtg Corp $5,000.00 $1,000.00 $1,000.00 $1,000.00
Canada Trust Company $5,000.00 $1,000.00 $1,000.00 $1,000.00
AGF Trust $25,000.00 $5,000.00 $5,000.00 $5,000.00
Bank of Nova Scotia $5,000.00 $1,000.00 $1,000.00 $1,000.00
BMO Advisor Advant. Tr. $1,000.00 $1,000.00 $1,000.00 $1,000.00
Canadian Tire Bank $5,000.00 $5,000.00 $5,000.00 $5,000.00
Canadian Western Bank $5,000.00 $5,000.00 $5,000.00 $5,000.00
Equitable Trust $5,000.00 $5,000.00 $5,000.00 $5,000.00
HSBC Trust Company $5,000.00 n/a $5,000.00 $5,000.00
Manulife Bank $10,000.00 $2,500.00 $2,500.00 $2,500.00
Royal Bank of Canada $5,000.00 $5,000.00 $5,000.00 $5,000.00
top
- 注册
- 2003-08-23
- 消息
- 26,207
- 荣誉分数
- 5,637
- 声望点数
- 373
分析：加拿大房价虚高 何时才会下跌
加国无忧 51.CA 2013年6月7日 13:26 来源：RCI 作者：方华 [ 加大字体 ｜ 缩小字体 ]
根据西方经济合作组织发表的报告，加拿大在世界经济发达国家中在房地产市场价格虚高方面排名第三。如果按照房租与房价的比率来衡量，加拿大房地产市场价格高出价值60%；如果按照房价与收入的比例，加拿大房地产市场仍然高出价值30%。
有的加拿大房地产专家认为，房地产市场转向的迹象已经出现，比如房屋销售量明显下跌，一些加拿大城市出现了房价下降的情况。房地产市场分析专家拉比多认为，加拿大房地产市场价格的下跌只是个时间问题，等待的只是一个偶发性事件；如果这个偶发性事件不发生，房地产市场也会创造一个这样的事件。
拉比多认为加拿大房地产市场价格虚高的主要原因是信用过于宽松，不只是过低的利息率，而是过去十年中过于容易获得的银行贷款；人们可以很容易的获得四十年的低息贷款，而且还有政府支持的房贷保险公司的担保。当然在移民聚集的城市多伦多和温哥华，过去10年移民的大量涌入也是造成大城市房价猛升的一个因素，但不是主要的因素。
那么加拿大房地产市场的价格下跌什么时候会发生呢？专家们给不出具体的时间，但提供了美国的情况作为参考。房地产市场分析家马达尼指出，在美国次贷危机引发的房地产危机中，房价的下跌是在房屋销售量下跌之后一年发生的；而加拿大房地产销售量下跌始于去年上半年，换句话说一年的时间差不多已经过去。马达尼的公司预计加拿大房地产市场房价的下调会在25%左右。
- 注册
- 2011-05-26
- 消息
- 8,788
- 荣誉分数
- 2,452
- 声望点数
- 323
- 注册
- 2003-04-13
- 消息
- 237,995
- 荣誉分数
- 37,466
- 声望点数
- 1,393
where to go and hide?
- 注册
- 2011-09-16
- 消息
- 30,409
- 荣誉分数
- 5,901
- 声望点数
- 273
53家在Toronto上市的房地产公司
BAM.A
REI.UN
HR.UN
GRT.UN
BPO
FSV
AAR.UN
BPY.UN
D.UN
CSH.UN
FCR
AX.UN
DI.UN
CWT.UN
DIR.UN
RMM.UN
CUF.UN
MRD
CAR.UN
CRR.UN
REF.UN
BEI.UN
INN.UN
IIP.UN
AP.UN
KMP
PAR.UN
HLP.UN
MRT.UN
NPR.UN
BRP
NWH.UN
TMC
BTB.UN
MRG.UN
F.UN
TPH
BAM.PF.C
BAM.PR.B
TN.UN
BAM.PR.N
BAM.PR.R
BOX.UN
BRE
AIF
RLC
BAM.PR.T
BPO.PR.L
BAM.PF.B
KRE.UN
NRF.UN
GDC
BAM.PR.O
BAM.A
REI.UN
HR.UN
GRT.UN
BPO
FSV
AAR.UN
BPY.UN
D.UN
CSH.UN
FCR
AX.UN
DI.UN
CWT.UN
DIR.UN
RMM.UN
CUF.UN
MRD
CAR.UN
CRR.UN
REF.UN
BEI.UN
INN.UN
IIP.UN
AP.UN
KMP
PAR.UN
HLP.UN
MRT.UN
NPR.UN
BRP
NWH.UN
TMC
BTB.UN
MRG.UN
F.UN
TPH
BAM.PF.C
BAM.PR.B
TN.UN
BAM.PR.N
BAM.PR.R
BOX.UN
BRE
AIF
RLC
BAM.PR.T
BPO.PR.L
BAM.PF.B
KRE.UN
NRF.UN
GDC
BAM.PR.O
http://bbs.comefromchina.com/threads/1251465/#post-8186556
昨天不是说安了吗？今天怎么就。。。。。。
昨天不是说安了吗？今天怎么就。。。。。。
哈哈哈镜
我本将心向明镜， 奈何明镜是哈哈哈镜
- 注册
- 2013-04-17
- 消息
- 7,626
- 荣誉分数
- 2,371
- 声望点数
- 273
wait until u need to renew ur mortgage
