埃德蒙顿华人社区-Edmonton China

 找回密码
 注册
查看: 1927|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
7 I1 Q) m1 x# d$ k/ n0 _: v. j5 L; m4 J8 k  m* Q* J
Yields Down. Rates, Not So Much, q/ j! E# c+ M. U, r; t: Y: ~

; N/ ?4 S3 S- D2 {. ~. b" w+ pCanada’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%.   T, d0 b/ j9 k9 ^8 Y/ I

! F3 v( O7 ^3 F* ~! F# I5 j
$ [/ R) Q7 a! ?3 H# ]
9 ~0 ], \/ u  ?
( o, ]6 z8 w4 l7 ]; o4 B1 U# W. W
! u5 {! \4 m; m8 c6 vWhile there’s been a noticeable dip in yields, there hasn’t been much reduction in 5-year fixed mortgage rates (which track yields).  

, r* n) g% {" I7 @. R1 I$ |8 ~1 r$ P7 p; B: P9 i7 |# h
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.5 f5 y+ n! V; S+ g; d& a& k

! u5 L* S# ?, Y1 D4 ~' }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.- ~7 }/ n- R1 T- f% |  @9 H
The lender went on to say: “There may be some movement soon, but banks are ensuring bond prices stay consistent before they make a move.”( I5 b! f: c% S$ y7 _8 {: _
6a00d8341c74cb53ef011571b09116970b.jpg
6a00d8341c74cb53ef011571a570f7970b.jpg
鲜花(0) 鸡蛋(0)
发表于 2009-7-6 18:38 | 显示全部楼层
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?
1 S$ l8 O* Q5 \/ s9 C( k6 I$ r3 a# K# A$ N3 w, ~& u% {
Banks last raised mortgage rates on June 9, when the 5-year bond yield was at 2.68%.1 G- P$ S3 k1 @' F$ J
" U$ ?) g0 R* X: F: K1 Z* P
Since then, the 5-year yield (which guides fixed mortgage pricing) has fallen to 2.44%, but bank rates have not budged.. C2 Q! y2 i- R" Q

9 O) k, ~0 [2 Y9 x, M' A! w* o4 sBMO 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." 0 T% D3 D# j$ Y, V* t- d
: w% W4 F5 [/ P) A2 {: L
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."+ G# c" M) t- ]5 I& @3 l

% |% q2 \2 Q* H+ U! |6 Q) |( x* UThe 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 B. m) i" C! l6 O4 v& T, Q; ~( E# b$ l! |
If 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 $478 over five years, assuming a 25-year amortization and typical fixed rates.
/ V$ M- X  q- G5 B6 o' h6 G
3 R2 {8 c! `- e, j" Y% MBut remember, trying to time bond and mortgage rates is financially hazardous.  While you’re waiting, rates can move the wrong way—quickly.  5 D0 r. u1 Z4 [3 U. i+ P: H
. Z6 S. l5 K, r9 d' n/ `: z
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?
6 e8 y( P5 w% Y% v1 o5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, 2026-7-3 18:35 , Processed in 0.174066 second(s), 18 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