RBC, BMO and CIBC 相继提高了Mortgage rates

[chengda]

RBC mortgage Rate
5 yr fixed closed


2.840%

2.860% APR

http://www.rbcroyalbank.com/mortgages/index.html


Compare and Consider – Our Five Year Fixed Rate Closed Mortgages
Fixed Closed Mortgage BMO Smart Fixed Mortgage
Mortgage Rate* 4.840 % 2.79% | 2.81% APR**

Compare mortgages | Mortgages | BMO Bank of Montreal
https://www.bmo.com/home/personal/banking/mortgages-loans/mortgage/compare

Fixed Rate Mortgages Term Rate Special Offers2
CIBC Fixed Rate Closed Mortgage
The security of a fixed interest rate, so you always know exactly what your payments will be.

1 year 2.84% Ask for details
2 years 2.79% Ask for details
3 years 3.39% 2.69%i
4 years 4.09% Ask for details
5 years 4.79% Ask for details
7 years 5.85% 3.54%ii
10 years 6.09%

各方预计明天加拿大银行 提高基准利率25个点。大家都等着消息。

 

[New Person]

RBC mortgage Rate
5 yr fixed closed


2.840%

2.860% APR

http://www.rbcroyalbank.com/mortgages/index.html


Compare and Consider – Our Five Year Fixed Rate Closed Mortgages
Fixed Closed Mortgage BMO Smart Fixed Mortgage
Mortgage Rate* 4.840 % 2.79% | 2.81% APR**

Compare mortgages | Mortgages | BMO Bank of Montreal
https://www.bmo.com/home/personal/banking/mortgages-loans/mortgage/compare

Fixed Rate Mortgages Term Rate Special Offers2
CIBC Fixed Rate Closed Mortgage
The security of a fixed interest rate, so you always know exactly what your payments will be.

1 year 2.84% Ask for details
2 years 2.79% Ask for details
3 years 3.39% 2.69%i
4 years 4.09% Ask for details
5 years 4.79% Ask for details
7 years 5.85% 3.54%ii
10 years 6.09%

各方预计明天加拿大银行 提高基准利率25个点。大家都等着消息。

Finally.

 

[chengda]

Mortgage rates are going up
In fact, mortgage rates are already increasing. RBC hiked its fixed mortgage rates by 20 basis points last week, and both BMO and CIBC made similar moves over the weekend. Most Canadians opt for fixed mortgages so these households with existing mortgages won’t be affected immediately. Even those refinancing a fixed mortgage in the next little while will likely still score a lower rate than five years ago.

 

[金陵]

以前借variable rate的人，还没有受影响。

 

[chengda]

以前借variable rate 的不会马上体现。就浮动利率贷款来看，目前每月所偿还贷款数额不会变化，过一段时间后，银行就会通知借款人的调整数目。

 

[cvictor]

问问，为什么年头越久，利息更高？

 

[chengda]

贷款期限超过五年以后，关于市场或者经济走向的不确定性增加，也就是说，风险增加，因此，利率当然就会增加。利率是和市场风险程度有很大关系。

 

[chengda]

http://www.financialpost.com/markets/data/money-yields-can_us.html
Canada Bond Yield

 

[金陵]

央行涨息0.25%
http://www.cbc.ca/news/business/bank-canada-interest-rate-monetary-policy-1.4200814

 

[peterchen]

rate go up and the price of house goes down

 

[金陵]

rate go up and the price of house goes down

理论上是这样，但是美国涨息后房产价格还是在上涨。

 

[armorwei]

理论上是这样，但是美国涨息后房产价格还是在上涨。

个人看法，不知道对不对。 美国加息，会引导资本去美国。 但是加拿大整体情况没有美国那么好，加息有点被动跟风的意思，并不会吸引资本过来， 然后对于普通人来说，房贷上涨，炒房的成本上涨，杠杆降低，整体预期是感觉会继续加息，于是大家又买涨不买跌，加速下跌。。 不懂经济，纯小白看法。

 

[Valar_Morghulis]

加息通道开启了，winter is here。

 

[金陵]

个人看法，不知道对不对。 美国加息，会引导资本去美国。 但是加拿大整体情况没有美国那么好，加息有点被动跟风的意思，并不会吸引资本过来， 然后对于普通人来说，房贷上涨，炒房的成本上涨，杠杆降低，整体预期是感觉会继续加息，于是大家又买涨不买跌，加速下跌。。 不懂经济，纯小白看法。

今年房价涨得比较快，放慢节奏也蛮好，省得老听说bidding war。如果经济不好，央行不太会加速加息。杠杠高的人会担心，普通人家不炒房的，影响不会太大。

 

[gossipabout]

今年房价涨得比较快，放慢节奏也蛮好，省得老听说bidding war。如果经济不好，央行不太会加速加息。杠杠高的人会担心，普通人家不炒房的，影响不会太大。

好消息， 那个废物可以大大喘一口气。

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