这个利率怎样？？？

[412250]

最近要重新签Mortgage ，昨天得到的利率是3年5年一样的5.75%，大家最近都能拿到什么样的利率？给点意见。

 

[小傻]

ING Direct follows TD, changed its post variable closed rate to 5.75% today...

It might be a good time to start thinking about to fix the rate...

source: CBO Rates: closed mortgage rates

 

[dkwan]

HSBC variable rate is 4.75%

 

[Mikejia]

I got one from RBC 4.75% variable close 5 years with extra 0.75% deduction.

 

[小傻]

HSBC variable rate is 4.75%

Yesteday when I checked, HSBC was 4.75%, but today it changes to 6.210%..God knows what happened...

 

[小傻]

I got one from RBC 4.75% variable close 5 years with extra 0.75% deduction.

What you get is (post rate - 0.75%), and I believe RBC will change its post rate in days..

 

[blue1]

Bank of Canada just announced a 1/2 Percentage reduction in their overnight rate this morning:
Central Banks Announce Coordinated ...- 2008- Press Releases- Publications and Research- Bank of Canada

 

[坐山雕]

最近要重新签Mortgage ，昨天得到的利率是3年5年一样的5.75%，大家最近都能拿到什么样的利率？给点意见。

还在置地产？
祝你走运！

 

[小傻]

Bank of Canada just announced a 1/2 Percentage reduction in their overnight rate this morning:
Central Banks Announce Coordinated ...- 2008- Press Releases- Publications and Research- Bank of Canada

I am totally lost now...

 

[dkwan]

HSBC rate as of this morning
https://www.hsbc.ca/1/2/en/personal/todays-rates/personal-mortgage-and-credit-rates
It is 4.75% open variable. 4.5% closed variable...

 

[Mikejia]

What you get is (post rate - 0.75%), and I believe RBC will change its post rate in days..

it is. so I don't care how RBC change it post rate, if it goes up to 5.75% I can just pay 5%

 

[412250]

Bank of Canada just announced a 1/2 Percentage reduction in their overnight rate this morning:
Central Banks Announce Coordinated ...- 2008- Press Releases- Publications and Research- Bank of Canada

按以上所说利率在下调了，我是不是还能拿到更好的利率啊？我的金融知识有限，能再给我说清楚点吗？谢谢！

 

[小傻]

按以上所说利率在下调了，我是不是还能拿到更好的利率啊？我的金融知识有限，能再给我说清楚点吗？谢谢！

In theory, it is. But right now, the bank is obviously short of money, the increasing of the prime rate shows that they don't want to lend...

 

[小傻]

it is. so I don't care how RBC change it post rate, if it goes up to 5.75% I can just pay 5%

Jump to 5.75% is not a big concern, but if the prime jumps to two digits like 80s in 5 yrs, then it is something else...

 

[412250]

In theory, it is. But right now, the bank is obviously short of money, the increasing of the prime rate shows that they don't want to lend...

谢谢你的回答，那银行总不会说利率太低不放贷了吧，有可能央行调低了，商业银行维持原利率不变吗？我到底还没有没讲价空间啊？