Royal bank lowered 5 year fix rate yesterday.

edmontonrent · 发表于 2007-6-20 10:02

If you are planning to borrow from Royal. check again the interest rate.

BaiLing · 发表于 2007-6-20 12:27

Good news

smalltown · 发表于 2007-6-20 12:47

How much is it?

gstudy · 发表于 2007-6-20 13:23

原帖由 edmontonrent 于 2007-6-20 11:02 发表
+ W$ R$ t8 o# @; u4 L3 J. `1 q3 ^If you are planning to borrow from Royal. check again the interest rate.

It looks like you guys are all rich and look at only five years rate. If I am buying house I have to look at 20-25 years rate because I can not afford to pay off such quick as within 5 years.

eric.zhang · 发表于 2007-6-20 13:34

原帖由 gstudy 于 2007-6-20 14:23 发表 % A; G; {7 J- |4 c& |: U
$ Q4 c+ p; Y. W4 x
It looks like you guys are all rich and look at only five years rate. If I am buying house I have to look at 20-25 years rate because I can not afford to pay off such quick as within 5 years. : ...

YOU MUST BE KIDDING ME......

fancycat · 发表于 2007-6-20 13:40

看新闻里提到这次降息是暂时的，等7月，9月各大银行提高利率时，贷款利率也会增加。

edmontonrent · 发表于 2007-6-20 13:47

Currently the fix rate is 5.99%
the variable rate is Primary - 0.75%, that is 5.25 now.
I do not know if I should use fix rate or variable rate .

WST · 发表于 2007-6-20 15:08

原帖由 edmontonrent 于 2007-6-20 14:47 发表 ! p6 y% _7 k. e0 t9 [ A3 w
Currently the fix rate is 5.99%; n+ ?, B$ a; A) K& ^: |* y9 S# L
the variable rate is Primary - 0.75%, that is 5.25 now. * m& {7 v1 K2 o, l9 Z* @
I do not know if I should use fix rate or variable rate .

定期按揭利率取决于债券殖率。极难预测。换言之，如果有人能正确预测，买卖债券期货，可发大财。
选择按揭类型取决于个人经济状况，承担风险的能力，以及买房的用途。

gstudy · 发表于 2007-6-20 15:26

原帖由 eric.zhang 于 2007-6-20 14:34 发表 , P) h) V7 P6 l+ N+ y( w+ f. `
# u( d( e# k/ b" X# W, ?

' `( @; L+ F& P2 |. H! ^YOU MUST BE KIDDING ME......

No, 我是非常认真地这么说的。20-25年的按金对偶来说负担都不轻。

你们啊！！！

edmontonrent · 发表于 2007-6-20 15:33

原帖由 eric.zhang 于 2007-6-20 14:34 发表
YOU MUST BE KIDDING ME

5-year-fix rate mortage does not requrie you to pay all the mortgage in full in 5 years. Only the interest rate is fixed in 5 years. You can choose the term as 25 years or 40 years.

Eirc Zhang said that YOU MUST BE KIDDING to NOT know the meaning of this "5 Year".

Artemis · 发表于 2007-6-21 19:19

In the long run, open mortgage is always better. It can save your damn money

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Royal bank lowered 5 year fix rate yesterday.

Temperately?

learn and learn more, gstudy buddy.

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