利率新变化

[甲乙丙丁]

作者: 爱因思念

一季度涨一次，就目前这个经济状况，每次涨个。25，一年不就是1吗？这是我自己考虑的，我也不是行长，咱不就是先估计一下个大概其吗

央行是每个季度开两次会，当然是涨还是跌，涨跌多少是他们说了算。

[爱因思念]

作者: 千帆过

7看看历史把，涨得凶的时候就是开一次会涨一次的。
http://www.canequity.com/mortgage_rate_history.stm
大家都以为央行涨利息只会一年一个点，才会有如今如此夸张的房价~

作者: 甲乙丙丁

央行是每个季度开两次会，当然是涨还是跌，涨跌多少是他们说了算。

那你们二位说，该选哪个？

[ceass]

跟着自己的感觉走吧,没错的.

[爱因思念]

作者: ceass

跟着自己的感觉走吧,没错的.

那行,我选浮动的了.起码头2年低,多还的都走本金了.

[creativeccc]

作者: 千帆过

7看看历史把，涨得凶的时候就是开一次会涨一次的。
http://www.canequity.com/mortgage_rate_history.stm
大家都以为央行涨利息只会一年一个点，才会有如今如此夸张的房价~

如果从这个LINK最后那部分的信息来看（看平均值），选浮动还是好啊

Notable Canadian Interest Rate Observations for the Last 10 Years

Average Prime Rate in Canada: 4.88%
Highest Prime Rate observed: 7.5% on Wednesday, May 17th 2000.
Lowest Prime Rate observed: 2.25% on Wednesday, April 22nd 2009.

Average 1-Year Fixed Mortgage Rate in Canada: 5.69%
Highest 1-Year Rate observed: 8.3% on Wednesday, May 24th 2000.
Lowest 1-Year Rate observed: 3.60% on Wednesday, December 2nd 2009.

Average 3-Year Fixed Mortgage Rate in Canada: 6.27%
Highest 3-Year Rate observed: 8.55% on Wednesday, May 24th 2000.
Lowest 3-Year Rate observed: 4.15% on Wednesday, April 29th 2009.

Average 5-Year Fixed Mortgage Rate in Canada: 6.73%
Highest 5-Year Rate observed: 8.75% on Wednesday, May 24th 2000.
Lowest 5-Year Rate observed: 5.25% on Wednesday, April 29th 2009.

[agata]

作者: creativeccc

如果从这个LINK最后那部分的信息来看（看平均值），选浮动还是好啊

Notable Canadian Interest Rate Observations for the Last 10 Years

Average Prime Rate in Canada: 4.88%
H...

[爱因思念]

作者: creativeccc

如果从这个LINK最后那部分的信息来看（看平均值），选浮动还是好啊

Notable Canadian Interest Rate Observations for the Last 10 Years

Average Prime Rate in Canada: 4.88%
H...

肯定的,长远来看,浮动就是比FIX 的合适.

[agata]

作者: 爱因思念

肯定的,长远来看,浮动就是比FIX 的合适.

FIX = 浮动 + 固定低利息的保险费。
利息涨得不多/不涨的话，保险费就浪费了，
房子不被盗的话，防盗保险也就白费了