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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 ! }" ]/ x6 w% V& u

  x' A- Y8 D  ]' pYields Down. Rates, Not So Much9 D+ p6 K% Y/ i, D  m1 y( m
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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%. 4 g5 K! X$ W: f! z' e" X
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( e6 m7 h/ l) d& P# CWhile 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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: g; A6 t2 u" O" POne 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.) _4 M) B$ D1 b* s
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.”9 d1 i3 Z' s& E! h1 e! G/ D
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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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Banks last raised mortgage rates on June 9, when the 5-year bond yield was at 2.68%.2 d& F1 L" H) l0 b, j5 u

0 ^+ j7 k6 P/ W, sSince then, the 5-year yield (which guides fixed mortgage pricing) has fallen to 2.44%, but bank rates have not budged.0 M$ I% o" v2 O. a- h7 }9 c
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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."4 f- k& K+ _' q( z# q; p2 o9 Y7 e
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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.% @  U9 X9 \7 y# |( a# a

4 t2 W9 u( G- v+ R5 Q. IIf 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.9 t1 v7 B/ |' N; M% L* C
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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.  
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% C; a3 K6 N( X% xYou’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.
大型搬家
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?
3 a' v8 L- q, [- r, z: @5年锁定利率现在差不多都到5%了把?
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