埃德蒙顿华人社区-Edmonton China

 找回密码
 注册
查看: 1825|回复: 4

固定利率会回调吗? 这是一个问题

[复制链接]
鲜花(115) 鸡蛋(0)
发表于 2009-7-6 09:25 | 显示全部楼层 |阅读模式
老杨团队,追求完美;客户至上,服务到位!
本帖最后由 年轻的心 于 2009-7-6 10:29 编辑 4 @+ d9 v" Z( `$ P( l  k# X

6 X7 s2 h$ `; ^& K8 FYields Down. Rates, Not So Much% Y2 Z; X6 X8 N
$ C2 l) h  j; |; ?% `8 D
Canada’s 5-year bond yield closed near a 3-week low today, settling at 2.43%.  That’s down from its June 10 high of 2.81%. . h5 s& E- [! ]: A5 z1 L4 f
; n( C, G) f' W+ P
) w" O0 J7 B" U% T, L' a) C* r

8 e+ _, t% s7 Y6 j) i
" `4 Q# l9 F& p! T& i. v
; E3 R1 i5 E( b' p& s2 t: ~While there’s been a noticeable dip in yields, there hasn’t been much reduction in 5-year fixed mortgage rates (which track yields).  
* @* d' L! U- O  ]$ m5 M: M
5 Q8 m% {/ w5 ]' n9 {
At the most, we’ve seen a few non-bank lenders drop 5-year rates by 0.10% lately.  The Big 5 banks have not lowered advertised rates at all.
/ R+ n7 `2 T2 W) w8 b/ R+ P( Y& v! {+ V
One lender sent an email today suggesting that banks have changed their focus from aggregating clients to profitability. Given the banks just went through a vicious market share war, they may be less inclined to discount rates now with only four months to hit their year-end income targets.
0 f/ {7 g4 X/ T; EThe lender went on to say: “There may be some movement soon, but banks are ensuring bond prices stay consistent before they make a move.”
* Y& v5 ?$ o* A( _6 b% [ 6a00d8341c74cb53ef011571b09116970b.jpg
6a00d8341c74cb53ef011571a570f7970b.jpg
鲜花(0) 鸡蛋(0)
发表于 2009-7-6 18:38 | 显示全部楼层
理袁律师事务所
鲜花(6) 鸡蛋(0)
发表于 2009-7-6 19:17 | 显示全部楼层
Who knows? But now the prime rate is in the history bottom for sure.
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-7-15 17:02 | 显示全部楼层
老杨团队 追求完美
Will 5-Year Mortgage Rates Fall Further?' H$ ~6 B; ~7 e& `4 ^; i0 A. a9 l

) S7 Z) j1 e! p6 f- i/ N3 G/ J Banks last raised mortgage rates on June 9, when the 5-year bond yield was at 2.68%.
/ G1 C2 I* n) V& z, K1 c8 {  b6 x. b: g/ W' v  |# l2 @4 X1 p
Since then, the 5-year yield (which guides fixed mortgage pricing) has fallen to 2.44%, but bank rates have not budged.
2 Z5 z% i: n9 C; J5 E0 u; c7 ?& m* @2 M4 S, [
BMO economist, Doug Porter, told the Toronto Star it’s because banks "want to be convinced that it is not a flash in the pan and that any retreat in yields is sustained."
( f+ O3 C2 Z% I' `: X. g' a5 v7 ]$ Y& m4 G
He says: "I believe that we are probably not too far away from that point. It might take a little more of a deeper rally (in bond prices) to make it completely convincing."
- B9 M) s) @7 p  U1 x, Z
, ]7 V% ]$ X& |5 l  h1 r  e9 d& VThe often quoted CIBC economist, Benjamin Tal, thinks yields could fall another 0.05% to 0.10%, but any drop in fixed-rates will be short-lived. "By the end of the year, we'll start seeing rates rising," he says.0 d# U5 m' @! ~# U0 [

) p# x. h3 @8 X( o' N+ x! T) u4 BIf rates do drop another 0.10%, it would translate into a $5.50 monthly payment savings for every $100,000 of mortgage. That’s a total savings of $478 over five years, assuming a 25-year amortization and typical fixed rates.
" M1 U0 b2 _' R& \( d3 D
) U* [8 m8 H- R* `2 CBut remember, trying to time bond and mortgage rates is financially hazardous.  While you’re waiting, rates can move the wrong way—quickly.  
5 S+ d. I- b6 S+ w/ c+ V9 ]" u9 f- l7 B
You’re usually better served by focusing on factors that can dwarf a 0.10% rate savings, like finding a mortgage with the optimal term and just the right amount of flexibility (pre-payment options, openness, readvanceability, etc.).  Too much flexibility is a waste, and too little can cost you in the long-run.
鲜花(0) 鸡蛋(0)
发表于 2009-7-17 09:07 | 显示全部楼层
到底涨了还是降了呢?( ]& Y. T+ f" X1 j
5年锁定利率现在差不多都到5%了把?
您需要登录后才可以回帖 登录 | 注册

本版积分规则

联系我们|小黑屋|手机版|Archiver|埃德蒙顿中文网

GMT-7, 2026-3-20 04:23 , Processed in 0.151695 second(s), 19 queries , Gzip On, APC On.

Powered by Discuz! X3.4

Copyright © 2001-2021, Tencent Cloud.

快速回复 返回顶部 返回列表