请问那位能详细说说房贷利率的各种差别及优劣?

amy-china · 发表于 2012-1-28 13:20

感觉利率最近又是在牵动人的心,但了解不多,有没有那位专业人士愿意在这里当开个网上讲座,把各种房贷利率详细解说一下,这样每个有意贷款的人自己都能先分析一番,找到比较适合的付款方式,这样也省了贷款专家每次的appoinment 时间. 有没有那位乐意的?

Fee · 发表于 2012-1-28 15:00

TD张倩 · 发表于 2012-1-29 11:34

房屋贷款分固定利率和浮动利率，固定利率在贷款期间，利率保持不变; 浮动利率在贷款期间，利率会跟随当前市场水平而变动。选择固定或浮动利率，取决于你的风险承受能力。浮动利率又分封闭式和开放式，封闭式不能于期内毁约，否则有罚款，开放式可以随时偿还款项而不受限制。

edmonton-fish · 发表于 2012-1-29 13:04

那么在目前来看，应该用固定还是浮动？

有什么好的利率？

FORD88 · 发表于 2012-1-29 16:16

你刚错过好利率了，5年固定，2。99%。

TD张倩 · 发表于 2012-1-29 19:00

我个人认为，现在应该用固定，TD银行目前4年固定2.99%, 短线还会低。半年以前浮动利率是Prime-0.85% 左右, 就是2.15%左右，那时当然应该选浮动，现在浮动利率是Prime rate左右，Prime rate是3%，如果Prime上涨，你的贷款利率还会上涨（假设选浮动)，在这种情况下，固定相对有优势。

edmonton-fish · 发表于 2012-1-29 20:57

本帖最后由 edmonton-fish 于 2012-1-29 21:00 编辑

Prime应是跟着经济走，这经济会有好的起色吗？

Prime会不会又降下去呢？伊朗一打起来的话。美国的经济没有3-5年好不了，而我们加拿大又是跟着美国走。

还有，是不是在等等看，有没有更好的利率？

不懂，请教。

谢谢！

TD张倩 · 发表于 2012-1-29 23:43

个人认为低息会持续一段时间，请看下文：

Pledge to maintain low rates injects additional monetary stimulus in the U.S. economy
By James Langton | January 25, 2012 16:00
The U.S. Federal Reserve Board effectively boosted monetary stimulus yet again Wednesday when it pushed out its commitment to low rates to the end of 2014. However, economists don't expect this latest move to have much impact on the recovery.

The Fed said today that a low funds rate is likely warranted until "at least through late 2014", pushing back its previous pledge to keep rates low through mid 2013. TD Economics says that by extending its conditional commitment for at least another year-and-a-half "the Fed is injecting additional monetary stimulus into the economy – albeit in an unconventional way."

Yet, TD doesn't expect this latest monetary policy action is "to be an economic game changer". It points out that rates are already at historic lows, and the problem at this point isn't the price of credit, it's the lack of demand for it. "While today's announcement should provide some push at the margin, it is unlikely to alter economic momentum in a significant way," it says.

RBC Economics notes that while the U.S. economy has been showing signs of life, heightened uncertainty is undermining the global growth outlook. "Until there is a clearer path for the global economy and proof that the U.S. economy is able to grow fast enough to exert significant downward pressure on the unemployment rate, the Fed's policy will remain extraordinarily stimulative," it says.

edmonton-fish · 发表于 2012-1-30 21:20

这个低息是指现在的prime3.0吗？

还是可能更低？

请教，谢谢！

ahjkebctv · 发表于 2012-1-30 21:28

FORD88 发表于 2012-1-29 16:16
4 z+ b3 r4 F+ J7 V1 [5 h' S: n( D# W你刚错过好利率了，5年固定，2。99%。

给力啊

edmonto · 发表于 2012-1-30 23:32

关注中

TD张倩 · 发表于 2012-1-31 21:10

这个低息是指低贷款利率，加拿大的prime rate升降和美国经济很有关系，我个人觉得 Prime rate 会保持不变很长一段时间，下降的可能性不大.

edmonton-fish · 发表于 2012-2-1 20:47

谢谢！

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