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固定利率会回调吗? 这是一个问题

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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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. W. v( e+ ^- N; b& O- p8 GYields 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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) l( f; n& |6 U4 j! p, X- t. k# `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.* g7 @3 E7 M" |! B# R

7 q( g# Y$ k* \( }6 e" b2 @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., S- d* Q: Z& W
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.”* A1 G8 F4 T( a1 D- E7 ?
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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?$ |, ^  m1 E+ r% y0 p
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Banks last raised mortgage rates on June 9, when the 5-year bond yield was at 2.68%.! o8 b2 A+ f& r

# F/ ]2 `9 p, y$ @$ B/ c  w3 N" ~+ USince 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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0 T; a. ^; d6 D: a* gBMO 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." ' U3 J( Y# `# I( H
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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."% B% d+ }8 b3 c" d1 d+ y' W

1 ?  |  m1 K( n  ^: ?7 I# _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 $478 over five years, assuming a 25-year amortization and typical fixed rates.$ L, @( ]/ I! k
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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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You’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?( X# }) m+ O7 _9 ^! S; P4 _& O+ A
5年锁定利率现在差不多都到5%了把?
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