降息啦!

hlj007

BMO, Scotiabank join RBC in quietly reducing mortgage rates
. M/ x. L# G! j9 M) ?+ DCanadian Press and Financial Post Staff | January 22, 2014 7:32 AM ET
6 }1 m& n5 O" A8 b0 b4 K+ e6 OBank of Montreal and Scotiabank both lowered rates Tuesday although, like the Royal Bank, neither issued a news release announcing the changes.
National PostBank of Montreal and Scotiabank both lowered rates Tuesday although, like the Royal Bank, neither issued a news release announcing the changes.
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6 Y. u- M9 T- S+ {' LTORONTO — At least three more big enjoyedmontoncing some of their mortgage rates.

( X: G, X9 v" p5 E  D: ^; d! c* ~Bank of Montreal, Scotiabank and TD Canada Trust all lowered rates this week. Like RBC, none issued a news release announcing the changes.
  E( X: h$ l7 f0 f
How factory-built homes are shedding their ‘cheap’ label and exploding in popularity
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1 N! O# H1 V6 \) W" V. Q* s# UMost new homes are built stick by stick, brick by brick, by a construction crew on-site, but a growing number of Canadians are buying homes right off the factory floor to be assembled on the lot within days
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6 B. V8 D3 z5 |Continue reading
For example, Scotiabank lowered its five-year closed fixed term mortgage 10 basis points to 3.49% on its website Tuesday, down from 3.59% posted on the site Monday.

  G; B! y# M8 ?BMO, meanwhile, lowered a number of its rates between 10 and 20 basis points, including its posted five-year fixed rate to 3.69% from 3.89%, according to Ratehub.ca.

1 Y5 x* Q: i$ a3 IThe changes, first reported by the Business in Canada website, follow a move on the weekend by RBC to quietly lower its rates on several fixed-rate mortgages by 10 basis points, bringing its five-year closed rate to 3.69%.

) e5 z) |# A6 B! _TD followed suit on Wednesday and now has a posted discounted rate of 3.69% for its five-year fixed mortgages, down from the rate of 3.79% that had been in effect since August. The bank has also made changes to several of its other closed rates.

happyzena

.1 percent is really nothing.....

醉酒当歌

happyzena 发表于 2014-1-22 16:44
; t4 _' f  O: P' M, _* s5 l# U.1 percent is really nothing.....

4 u9 Q: a/ Y2 Z: Pa lot of money, if you have big mortgage.

K歌

30万贷款就差10块1个月。可以预计对2014年房价有一点支撑作用。

兰君子

K歌 发表于 2014-1-22 20:24
30万贷款就差10块1个月。可以预计对2014年房价有一点支撑作用。

这算术不是一般地好

hlj007

happyzena 发表于 2014-1-22 16:44
# W; Q. k% O  ^' @- w; \- G$ ?- |. _& A.1 percent is really nothing.....

) O4 o+ U( l  M/ v4 `7 {' X- g多少是多啊？
6 N7 @  y5 a- U  r# s" @2 ]秃子悖论 天下所有的人都是秃子 设头发根数n n=1 显然 若n=k 为秃子 n=k+1 亦为秃子

K歌

K歌 发表于 2014-1-22 20:24
2 p3 y8 ]  I% d7 L30万贷款就差10块1个月。可以预计对2014年房价有一点支撑作用。

$14.6

前生为鱼

不涨上去总是好的

兰君子

- S4 V9 s/ a3 o

K歌 发表于 2014-1-22 22:55
/ _, [' J$ K: H- ~( m2 \$14.6

真正有意义的是这0.1的利息率降低在这五年里会给你带来多少利益（后面那些年是虚的，因为没有人知道5年后利息是多少），月还贷额一定程度上掩盖了这个好处。如果你将贷款年限延长到35年，表面看来对每月还贷额的影响更小。但不管贷款年限是多少，这0.1的利息差带来的利益却基本没有变。

粗略算一下，头一年能省300000*0.1%=300块，因为30年的贷款期在头5年内对本金影响有限，所以五年能大约节省1400多块利息。这样每月节省1400/60=23块多。

事实是不但每月还贷额降低了10多块，而且每月还额外多还了10块左右的本金。

K歌

兰君子 发表于 2014-1-26 17:14
( K8 x' l- h- n2 R: j0 A4 E# W真正有意义的是这0.1的利息率降低在这五年里会给你带来多少利益（后面那些年是虚的，因为没有人知道5年 ...

我觉得真正的意思是推高房价，。钱放在银行是贬值的它必须被贷出去所以一般的家庭个个人更容易负担和从银行借到钱了。只要利息高房价永远都高只有高利息的时候房价才下潜。