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固定利率会回调吗? 这是一个问题

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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
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Yields Down. Rates, Not So Much
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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%.
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While there’s been a noticeable dip in yields, there hasn’t been much reduction in 5-year fixed mortgage rates (which track yields).  
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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.
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, u% L; h6 N4 u1 }' |5 k3 _8 LOne 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.- P7 j4 }; s; X, Q
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.”7 A# [1 A& U) y; J
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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.
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 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?
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Banks last raised mortgage rates on June 9, when the 5-year bond yield was at 2.68%.) Y& ~( r. J3 b, G% H5 D

# C* v- l; h- o, n& }1 r& {" H, G$ d; dSince then, the 5-year yield (which guides fixed mortgage pricing) has fallen to 2.44%, but bank rates have not budged.
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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."
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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."' R: T3 a: V1 @8 V; m2 r
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The 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.# g/ C* m7 z% |- q$ f

% A7 ]) j0 O- fIf 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 $478 over five years, assuming a 25-year amortization and typical fixed rates.2 E3 [9 ]$ `& f) v# i  m2 ^2 x& ?
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But remember, trying to time bond and mortgage rates is financially hazardous.  While you’re waiting, rates can move the wrong way—quickly.  , z; ~# r" r9 o  T5 x% e

' Q4 l: z2 K& z% b! gYou’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.
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发表于 2009-7-17 09:07 | 显示全部楼层
到底涨了还是降了呢?: a, R: z9 a% @
5年锁定利率现在差不多都到5%了把?
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