利率问题

[16K]

近来各媒体都在报道 央行的利率又要涨的势头 只是时间问题么?

刚卖的新房 用的是浮动利率 现在这种情况下有必要锁定么

20w 25年

请问大侠们有没有什么建议?

 

[苦逼热狗]

看看其他人怎么说的(下头的 comment 也看看)
http://www.canadianmortgagetrends.c...he-milevsky-on-locking-into-a-fixed-rate.html

 

[16K]

谢啦

 

[16K]

没人再说说么

 

[uglyducking]

if for me, i will take 35 year variable p-0.85 since we still can do it before march 18. and then i will make payment at 25 yr amortization with accelerate bi-weekly payment

 

[16K]

if for me, i will take 35 year variable p-0.85 since we still can do it before march 18. and then i will make payment at 25 yr amortization with accelerate bi-weekly payment

thats pretty much what we are doing, but the question is how soon will the rate goes up

 

[会飞的鸟]

thats pretty much what we are doing, but the question is how soon will the rate goes up

每个人都感觉加息的压力在逐步增加，但是没人知道什么时候会涨，会涨多少

 

[uglyducking]

it seems that you take 25yr amortization for your mortgage which will require higher monthly payment. (which is what you can afford)

i suggest to take 35 yr amortization, to lower down the required amount for each payment. when you pay your mortgage, you still pay the amount for a 25yr amortization or more if you can afford, plus bi-weekly accelerate which will have 2 more payments each year to your mortgage.

when the rate raise, you will have some buffer between the required payment and your real monthly payment. if it shows a constant trend of raising rate, to a level that you're not comfortable with variable rate anymore, lock it in with a fixed rate then.

thats pretty much what we are doing, but the question is how soon will the rate goes up

 

[闲得慌]

it seems that you take 25yr amortization for your mortgage which will require higher monthly payment. (which is what you can afford)

i suggest to take 35 yr amortization, to lower down the required amount for each payment. when you pay your mortgage, you still pay the amount for a 25yr amortization or more if you can afford, plus bi-weekly accelerate which will have 2 more payments each year to your mortgage.

when the rate raise, you will have some buffer between the required payment and your real monthly payment. if it shows a constant trend of raising rate, to a level that you're not comfortable with variable rate anymore, lock it in with a fixed rate then.

When "constant trend of raising rate, to a level that you're not comfortable with variable rate anymore", the fixed rate will be pretty high.

 

[16K]

每个人都感觉加息的压力在逐步增加，但是没人知道什么时候会涨，会涨多少

就是想和大家讨论 看看有没有高人给分析分析

 

[16K]

谢谢大家评论 问题其实就是这样的低利率还会维持多久?

 

[uglyducking]

fix rate is related with bond returns.
variable rate is connected with central bank overnight rate
it might be true when variable rate high and also fix rate is high but these two rates are to related. i am not a mortgage expert, just express my understanding here. so correct me if i am wrong.

it totally depends on borrower's tolerance to the risk of variable rate. historically variable rate saves money for borrowers but fix rate holders will have a peace of mind if locked in a lower rate

When "constant trend of raising rate, to a level that you're not comfortable with variable rate anymore", the fixed rate will be pretty high.

 

[jmm]

rate goes up base on a lot of reasons, like economic increase, employee rate, i used discuess with my broker Jennifer Xie, she is very nice, give me some ideals, maybe you can ask her!

 

[16K]

but fix rate holders will have a peace of mind if locked in a lower rate

实话