商业银行的按揭利率降了，还有谁认为央行是救商行而不是救房市吗，真当央行是HelloKitty啊

[mimi_ge]

商业银行纷减息 按揭利率大战一触即发
加国无忧 51.CA 2015年1月26日 21:29 来源：本网编译 作者：萧山 [ 按揭利率大战一触即发。

加拿大皇家银行RBC在刚刚过去的周末宣布下调3年、5年、7年及10年的固定按揭利率，其中最引人注目的5年固定利率由之前的2.94厘，下调到2.84厘，次一级的贷款机构甚至抛出更低的按揭利率吸引客户。

信贷网站Ratespy.com的创始人Robert McLister表示，RBC将其10年固定按揭利率下调至3.84厘，这个利率是全加目前所能看到的最低10年利率。





皇家银行发言人Wojtek Dabrowski在回应媒体查询时表示，与其它商业银行一样，皇家银行目前正密切留意市场的变化，以及央行可能采取的进一步减息措施，随时调整按揭产品利率，以顺应市场的需要。

多伦多TD道明银行、丰业银行、国家银行这几天先后将固定按揭利率下调10至20点，相比之下，皇家银行在时间上其实已经落后了。

按揭利率大战的前奏曲是加拿大政府债券的利息下调，上个月政府债券的利息下调57个基本点，创下历史新低。贷款业界人士普遍认为，债券息口下跌，会导致按揭利率进一步下降，各大银行对于按揭市场寸土必争，尤其是春季房地产市场即将来到。

尽管各大商业银行目前尚未将最优惠利率下调，但是业界人士认为最优惠利率的下调势不可挡，绝大部分商业银行将跟随央行的步伐，把最优惠利率由目前的3厘，下调0.25厘，至2.75厘。目前看来央行可能在春季进一步减息，各商业银行的最优惠利率有可能进一步下调。

不久前满地可银行首席行政官Bill Downe在一次业界会议上发表演说时表示，满地可银行已经做好准备，向顾客提供最优惠的按揭利率。满地可银行去年率先抛出5年2.99厘的按揭利率，一度引起联邦财政部长的关注及干预，被认为挑起按揭利率大战的始作俑者。

事实上央行对于减息始终是难以下决心，本来已经有些过热的加国房地产市场，是否会由于央行的减息行动而进一步泡沫化，是央行最关注的问题。

 

[mimi_ge]

还有要lock利率的吗，去年锁在3.7的傻了
有钱任性的结果

 

[mimi_ge]

prime 2.85 now，every bank

 

[mimi_ge]

Banks lower prime lending rates
Prime rate drops 0.15% to 2.85%, smaller cut than Bank of Canada made
CBC News Posted: Jan 27, 2015 1:09 PM ET Last Updated: Jan 27, 2015 6:04 PM ET

Canada’s big banks had been reluctant to lower their prime lending rates following last week’s surprise cut in the Bank of Canada’s key lending rate. (Michelle Siu/Canadian Press)

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• Joe Oliver says he won't meddle with banks' decisions on rates
• Bank of Canada shocks markets with cut in key interest rate

The big banks dropped their prime lending rate late Tuesday, almost a week after the Bank of Canada cut its key lending rate. But they're not passing along the entire rate cut the central bank had announced.

Royal Bank was the first of the big banks to cut its prime since last Wednesday's surprise rate cut by the central bank. Other banks later matched Royal's move.

The banks trimmed their primes by 0.15 of a percentage point to 2.85 per cent. The Bank of Canada had cut its key overnight rate by a quarter of a percentage point to 0.75 per cent.

"We believe our announcement is a balanced approach which reflects our actual cost of funds and helps clients save money on products such as variable-rate mortgages, lines of credit and floating-rate loans," RBC said in a statement.

"Our decision was driven by a number of factors, including our wholesale funding costs, the competitive, operating and macroeconomic environments, and the Bank of Canada’s recent rate decision and its impact on other market rates across the yield curve."

When prime rates fall, a whole range of floating interest rate loans like lines of credit and variable-rate mortgages fall in lock-step.

• Bank of Canada shocks markets with cut in key interest rate
• Joe Oliver says he won't meddle with banks' decisions on rates

Usually, when the Bank of Canada moves its key rate, prime rates quickly follow. But for six days, the banks didn't move their primes despite pressure from consumers looking for relief on their floating-rate loans.

Fixed-rate mortgages heading down
Fixed mortgage rates have already begun to drop slightly at many banks. But longer-term fixed-rate mortgages depend on the bond market, not the Bank of Canada’s overnight rate. With yields on longer-term bonds steadily falling and now at historic lows, it’s not surprising that fixed mortgages have begun to slide.

A five-year fixed mortgage now carries a posted rate of 4.79 or 4.84 per cent at several banks, down 0.10 or 0.15 of a percentage point over a week ago. Most borrowers will pay considerably less than the posted rates.

TD Bank, for example, on Tuesday lowered its “special fixed-rate offer” for a five-year closed mortgage by a fifth of a point to 3.09 per cent. Many smaller lenders and independent mortgage brokers can offer even lower fixed mortgage rates.

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[lindamy]

Prime在3好像已经好几年了，现在不仅没长，反而下降了，太好了，对有债的是好消息。

过几个月要Renew了，现在好的Rate是多少？

 

[Happy68]

谢谢分享。

不知2年2.39如何

 

[mimi_ge]

谢谢分享。

不知2年2.39如何

soso
prime2.85
现在variable减0.5很常见，toronto减的更多
再说2年之内，还要减的可能远远大于上涨

 

[nb12345678]

按揭还差一年到期.现在3. 79呀.不知道换划算还是等到期.
有谁给点意见呀

 

[salas88]

咪哥万岁！

 

[哈哈哈镜]

soso
prime2.85
现在variable减0.5很常见，toronto减的更多
再说2年之内，还要减的可能远远大于上涨

我的一百万variable rate贷款有福了

 

[Happy68]

soso
prime2.85
现在variable减0.5很常见，toronto减的更多
再说2年之内，还要减的可能远远大于上涨

谢谢

 

[冷笑9声]

prime 2.85 now，every bank

两年2.35固定和5年P-0.5浮动你选哪个？
想当然的两年固定？

 

[向问天]

CIBC prime 2.85

下面是我的LOC

 

[哈哈哈镜]

两年2.35固定和5年P-0.5浮动你选哪个？
想当然的两年固定？

P虾酱一般浮动利率discount会减少。这就是为神马近年不容易看到P-0.8了

 

[urus]

两年2.35固定和5年P-0.5浮动你选哪个？
想当然的两年固定？

当然， 就这么两年固定接着两年固定。。。 这么下去。 比 P-0.5 要便宜。而且也不失灵活性。