升息了!!!今天最新消息!

本帖由 hellobb2018-01-12 发布。版面名称:渥太华华人论坛

  1. hellobb

    hellobb 初级会员 ID:105823

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    已获得ccc的支持。
  2. ccc

    ccc 难得糊涂 ID:6614 管理成员 VIP

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    Three of Canada's biggest banks have hiked the rate on their benchmark five-year mortgage, and more are expected to follow suit.

    The Royal Bank of Canada raised its posted rate for a five-year, fixed-rate mortgage by 15 points to 5.14 per cent, the bank confirmed to CBC News in an email.

    Shortly after, Toronto-Dominion Bank did the same, matching Royal Bank's new rate.

    Canada's other three major banks — Scotiabank, Bank of Montreal, and CIBC — have yet to match the two leaders, but they are expected to soon based on what's happening in the bond market. CIBC's five-year posted rate had been 4.89 per cent, just below that of its rivals. When Royal Bank and TD moved to 5.14, CIBC hiked its five-year rate to 4.99.

    Scotiabank says it is reviewing its rates and will likely soon make changes.

    Banks finance their mortgages via a variety of sources, but the main one is by selling bonds, which they use to raise funds and then lend that money out to home buyers and other borrowers.

    Rates in the bond market have been inching steadily higher, which raises the banks' cost of doing business.

    The annual yield on a five-year bond from the Canadian government briefly topped two per cent this week, the first time it's been that high since 2013. Two-year government bond yields also spiked to 1.8 per cent, their highest level since 2011.

    Variable-rate mortgages
    Higher borrowing costs for the banks "point to potential upside for fixed mortgage rates," Bank of Montreal economist Robert Kavcic said in a note to clients yesterday.

    Even if a borrower can negotiate a better rate than the bank's posted rate, the posted rate is what the Bank of Canada tabulates its benchmark bank rate from. And that is one of the two options for new "stress test" rules — the other being to test their finances at two full percentage points above their actual rate.

    That means would-be buyers may have their finances tested as though their mortgage rate is at the new five-year levels — and if they fail the test, they won't qualify for the loan.

    Higher rates on fixed-rate mortgages come at a time when the Bank of Canada is widely expected to raise its benchmark interest rate next week.

    Fixed-rate mortgages are tied to activity in the bond market, but variable rate mortgages are more closely linked to the Bank of Canada's rate. So a higher central bank rate means variable rate borrowers should expect higher costs soon, too.
     
  3. hellobb

    hellobb 初级会员 ID:105823

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    Builder选了今天开盘也是有原因的了。不过要抢房的要先算算帐,自我做个利率压力测试再出手抢房哦!
     
  4. rottenmelon

    rottenmelon 高级会员 ID:165638

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    就等美帝宣布退出NAFTA了...
    今年真热闹:jiayou:
     
    已获得冷笑9声的支持。
  5. 冷笑9声

    冷笑9声 开门三件事, 吃好每顿饭,有空多睡觉,闲来瞎扯淡。 ID:105156 VIP

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    银行狠吧?央行加不加息都搭车坐地起价。
     
  6. ccc

    ccc 难得糊涂 ID:6614 管理成员 VIP

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    必须滴啊。玩儿低息的年头忒多了。:D

    央行会提高利率的。
     
  7. 冷笑9声

    冷笑9声 开门三件事, 吃好每顿饭,有空多睡觉,闲来瞎扯淡。 ID:105156 VIP

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    给银行打了电话,两年的从2.89涨到3.09
     
  8. ccc

    ccc 难得糊涂 ID:6614 管理成员 VIP

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    还好。
     
  9. 冷笑9声

    冷笑9声 开门三件事, 吃好每顿饭,有空多睡觉,闲来瞎扯淡。 ID:105156 VIP

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    还告诉我,若这月若央行加息还得涨。:monster:
     
  10. 欢乐灌水

    欢乐灌水 新手上路 ID:170986

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    Builder 这么厉害,知道今天银行要升息?I doubt
     
  11. ccc

    ccc 难得糊涂 ID:6614 管理成员 VIP

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    央行加息可能性很大。
     
  12. bonjour

    bonjour 资深人士 ID:18924

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    好啊,多加几次,把房价砸下来。
     

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