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请问大家最近拿到的房贷利率

哈法

知名园友
2008-03-25
19,048
38,477
2018-01-12
#26
其实我贷款也没剩多少钱了,加上每年可以多还贷款额的20%,所以实在利率涨得不像样我直接就把它还完算了,不想拖五年那么久:wdb6:
上个星期去bmo取resp顺便问了下房贷利率,说2年固定目前是2.94,不过renew不能hold这个利率。我是四月底到期,目前的利率才2.09,舍不得提前更改。但据说下周三又要加息,纠结
没必要每年多还贷款额的20%,如果想早点还清,可以采取每星期还,我就是这样做的。
 
2006-10-09
17,485
13,009
2018-01-12
#29
每星期还,一年算下来 能省多少呢?会不会造成现金流困难啊?
我就是每个星期还的,其实就是一个月要还的钱分散到每个星期去还,然后可以提前1.2年结束。你每个月还的钱是一样的,只是分成四次还。
 

哈法

知名园友
2008-03-25
19,048
38,477
2018-01-12
#32
好像RBC,五年浮动是p-0.55,p是3.2,也就是2.65%
这个好,还是固定2或5年好?
The central question should be: If your mortgage rate jumps one or two percentage points by the time you renew, can you handle a 5-per-cent to 20-per-cent leap in your payments?

If yes, you can still find variable rates as low as prime minus 1.25 per cent (insured) and prime minus 0.86 per cent (uninsured). Anything better than prime minus 0.70 per cent offers solid risk-reward in this economy.

If you can't comfortably handle a near-term jump in payments, you're probably more suited to a five-year fixed. That's not such a bad thing since the best five-year fixed rates are still below 3 per cent.

But five-year fixed rates below 3 per cent may not be around by year-end. So if you're heavily risk averse or need a preapproval, lock 'em while you got 'em.
https://www.theglobeandmail.com/glo...tes-heres-why-its-a-big-deal/article37584568/
 
2010-12-02
75
108
2018-01-12
#37
去年7月办的贷款,5年固定2.39。当时还有一个选项25年固定,2.89左右,考虑了一下,觉得应该不用还那么长时间。其实是个不错的选择