最近是拿房贷的好时机吗（五年浮动）

[Config]

有朋友说，7-8月是度假时间，房屋销售淡季。自然贷款发放也是淡季。银行会有些刺激政策。我们的房子还有大概60天CLOSING。不知道现在申请房贷是不是好时机。我们打算最近申请一个60天的锁定。

看了网站http://www.centum.ca/FundamentalFinancial/

Variable 2.00% （也就是P-0.75）

不知道是不是最好或者比较好的。或者还有下降空间？我们等等也可以。

 

[psw0000]

现在利率这么低，下降是不太可能了，涨上去的可能性大得多。

 

[morningStarWars]

Variable 2.00% （也就是P-0.75）
已经很好了。

 

[williamou22]

我在丰业银行问3年2浮动2.15%.而3年固定是3%

 

[ilovemyhome]

楼上的能否把这个银行的 agent 的联系方式悄悄话给我，谢谢啊

 

[dkwan]

For choosing variable rate, we should pay more to the principle. ie, if fixed rate payment is $500. Variable rate is $380. We should pay $500 instead of $380. The reason is the prime rate will only go up and should take advantage of the low rate, more principle approach.

 

[陨石]

For choosing variable rate, we should pay more to the principle. ie, if fixed rate payment is $500. Variable rate is $380. We should pay $500 instead of $380. The reason is the prime rate will only go up and should take advantage of the low rate, more principle approach.

I do not understand your logic. Since the rate is low, we want to borrow more. Now you want to pay quicker, because the rate is lower. Why? If you simply do not like to borrow, you should pay down payment as much as possible.