大家感觉现在房贷的利率固定核算还是浮动的核算

[tianYyuan1987]

看了一下最近的房贷利率，5年固定的3.65%，浮动的是2.85%，大家帮忙看看，目前这种经济走势，固定的核算还是浮动的核算？

 

[ccc]

有一同样问题的贴。

http://bbs.comefromchina.com/forum117/thread693943.html

 

[Howell]

如果你相信２年后ＰＲＩＭＥ（现在２．２５％）增加１．６５％　（浮动利率涨到４。１５％以上，其实ＰＲＩＭＥ明年底一定开始上涨。）那末选五年固定３．６５％　划算。

 

[ccc]

如此之底的利率(5年固定的3.65%)，锁死5年，不会出大错.

 

[joy_2005canada]

where do u find the "，5年固定的3.65%，浮动的是2.85%" thank you . would u also give the branch name and manager's name? tks again

 

[dkwan]

In my opinion, Bank of Canada will not raise interest rate before summer 2010, and also, if raise, it will be only .25%. 1.65%/.25% is 6, means BoC will have to raise 6 times over the 5 years, starting next year to reach your fixed-rate mortgage.

I will pick variable rate but paid as fixed rate. That way, you can always take advantage of low rate, and enjoy the extra payment towards your principle in every payment.

If you are getting 2.85%, and pay as 3.65%, you are paying .8% interest towards your principle, thats 800 per 100000 amount. If you pay .8% earlier years, means you will be paying off your mortgage faster.

Hope that explains.

 

[ccc]

两周前锁定就踏实了。