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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 1 s: J2 A9 }+ G( W$ ~' a: j
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Yields Down. Rates, Not So Much
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" a4 q: p/ G2 h3 [; G0 kCanada’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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2 s# V8 W/ O3 [  A7 u) AWhile 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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/ V- H( P" L! v* D5 [4 _One 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.  l' x2 i9 u2 e
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.”
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鲜花(0) 鸡蛋(0)
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.
鲜花(115) 鸡蛋(0)
 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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0 ]0 \6 b% U! v; d Banks last raised mortgage rates on June 9, when the 5-year bond yield was at 2.68%.4 A0 K) K" c& f7 }

. |" n1 A& V) T! ~8 k: ESince 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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9 e: P6 x4 S) z9 ?" p' kBMO 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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8 J5 B; U/ Y  E1 {' r0 \: ^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."
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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.
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If 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.5 h0 I, [) y5 z7 w/ Q3 F3 X, ?

: O" ]9 j! W7 d) ?But remember, trying to time bond and mortgage rates is financially hazardous.  While you’re waiting, rates can move the wrong way—quickly.  5 {7 A# N' Y# z0 _0 O: A7 m

, Y& }& i- g( ^+ ]- rYou’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.
鲜花(0) 鸡蛋(0)
发表于 2009-7-17 09:07 | 显示全部楼层
到底涨了还是降了呢?
8 }' ]0 E( D$ B+ k7 Y! G2 W! T" X5年锁定利率现在差不多都到5%了把?
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