加拿大皇家银行再加息

[reine02]

2013-08-21 City365

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加拿大皇家银行再加息​

加拿大最大的银行之一，加拿大皇家银行(Royal Bank of Canada，代号RY)表示，将于周一提高多种按揭利率。

该行称，加幅会介乎0.1至0.2厘不等。增幅最大的是5年固定偿还期按揭息率，该种按揭近来一直以3.09%的特惠推广息率放款，比通常的5.14%要低。在加息后，特惠放款利率会增至3.29%。

一年定期按揭息率会上升0.14厘，至3.14%，而两年、三年及四年期的按揭就会加息0.1厘。

自加国债券价格于去月下滑以来，皇银是首家宣布提高按揭息率的加国大银行。加国银行界大都利用债券市场，融资其商业放款活动，故此，预料其他按揭放款银行可能会步皇银后尘，宣布加息。

加拿大皇家银行（RBC） 今天（21日）再次宣布：将于8月22日起上调房贷利率，具体的调整情况如图。调整后，5年固定按揭利率已经从6月以前的3.09%，上升到22日以后的3.89%，涨幅达25%。

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[reine02]

RBC hikes mortgage rates

TIM SHUFELT - INVESTMENT REPORTER
The Globe and Mail
PublishedWednesday, Aug. 21 2013, 3:29 PM EDT
Last updatedWednesday, Aug. 21 2013, 5:09 PM EDT

On Wednesday, Royal Bank of Canada hiked its five-year, fixed-rate mortgage by 20 basis points to 3.89 per cent, one day after the Bank of Montreal raised its benchmark rate to 3.79 per cent. (Peter Power/The Globe and Mail)

Mortgage rates are again on the rise in Canada, increasing the likelihood of a slowdown in the national housing market.

On Wednesday, Royal Bank of Canada hiked its five-year, fixed-rate mortgage by 20 basis points to 3.89 per cent, one day after the Bank of Montreal raised its benchmark rate to 3.79 per cent.

Just five months ago Finance Minister Jim Flaherty publicly scolded both BMO and Manulife Financial for posting ultra-cheap mortgages. Since then, when advertised rates sunk to as low as 2.89 per cent, the cost of mortgages has climbed by almost 25 per cent.

“This is the beginning of a test for the mortgage market,” says Benjamin Tal, deputy chief economist at CIBC World Markets Inc. “It’s a test of how Canadians are able to tolerate higher interest rates.”

Burgeoning debt levels, driven by the inexorable appreciation of residential real estate, have put Canadian households at risk once interest rates finally lift from record lows.

While there have been false starts in the inevitable climb of mortgage rates over the past couple of years, the recent rate hikes could mark the first phase of a long-term trend. “I think this is the real thing,” Mr. Tal said.

More to come

 

[TIFF]

Mark Carney 走了，low interest rate没了，按照秘密哥财长的预测，加拿大的房市很快就会火起来了。

 

[mimi_ge]

Mark Carney 走了，low interest rate没了，按照秘密哥财长的预测，加拿大的房市很快就会火起来了。

啊有味，把low interest rate都归功于你偶像了，那是老本大伯的功劳，好不好
偶像除了打压房市，我是没看出啥好来。

 

[TIFF]

啊有味，把low interest rate都归功于你偶像了，那是老本大伯的功劳，好不好
偶像除了打压房市，我是没看出啥好来。

那是因为你不会看。

 

[哈哈哈镜]

那是因为你不会看。

看的心情不对。

 

[TIFF]

看的心情不对。

Exactly. People only see what they want to see.

 

[mimi_ge]

Exactly. People only see what they want to see.

个人自扫门前雪，普世真理
看着这么落后的房价涨幅，我急啊
幸亏偶像走了，去治理英国高房价了。

 

[哈哈哈镜]

Exactly. People only see what they want to see.

哦，是看的地方不对。

 

[TIFF]

个人自扫门前雪，普世真理
看着这么落后的房价涨幅，我急啊
幸亏偶像走了，去治理英国高房价了。

你说那人运气怎么这么好？走到哪儿那儿就好起来。现在英国开始复苏了。加拿大这边倒开始歇菜了。

 

[大伯刘]

两位话不投机，怎么回事？

mimi给预见一下一年后的房价是比现在高还是低，虽然有50%的概率，但是从金价走势看，你厉害！

 

[大伯刘]

你说那人运气怎么这么好？走到哪儿那儿就好起来。现在英国开始复苏了。加拿大这边倒开始歇菜了。

大侠给具体说说卡尼的业绩，人很帅，这个不用质疑

 

[mimi_ge]

两位话不投机，怎么回事？

mimi给预见一下一年后的房价是比现在高还是低，虽然有50%的概率，但是从金价走势看，你厉害！

大多大温继续涨，已经有苗头了，大温地区近阶段open house，10几个人来看法，走的也很快。
ottawa没戏，缓慢朝下。

 

[mimi_ge]

你说那人运气怎么这么好？走到哪儿那儿就好起来。现在英国开始复苏了。加拿大这边倒开始歇菜了。

他7月上任，你说英国经济复苏有他啥事情啊，数据都是上月的，飞哥
加拿大歇菜？who told u，黄金是跌了，可石油是涨的，数据也是不好不坏那种，飞哥

 

[TIFF]

大侠给具体说说卡卡的业绩，人很帅，这个不用质疑

别叫我大侠，吓着谁。

他的主要业绩就是在惊涛骇浪中把船稳住了。别的国家有翻船的有落水的，但加拿大没有。有人会说加拿大船质量本来就好啊，但是没有一个好的舵手，再好的船也会翻。

清楚了吗？呵呵，我自己都不知道自己说了啥。