同学们都来说说目前问到的银行贷款利率不？

[gengjun001]

难道是P涨了？你要关心的是P-折扣，减号后面的折扣。我问的时候P=2.7，RBC给我0.75的折扣。

P没变，是银行收紧房贷了。我刚问的TD也是5年浮动2.35%，7月份的时候5年浮动只要2.0%

 

[喀喇喇嘛]

难道是P涨了？你要关心的是P-折扣，减号后面的折扣。我问的时候P=2.7，RBC给我0.75的折扣。

对的，P=2.7，给的是P-3.5%，涨了很多

 

[SKABCD]

难道是P涨了？你要关心的是P-折扣，减号后面的折扣。我问的时候P=2.7，RBC给我0.75的折扣。

finalized bmo 2.14% 2 year fixed last week. good due or so so.

 

[卡城新人2014]

2.1， 2年fixed BMO

 

[SKABCD]

2.1， 2年fixed BMO

you beat me.

 

[卡城新人2014]

you beat me.

只是给最近需要renew的一个参考，我感觉应该还可以更低。

 

[SKABCD]

只是给最近需要renew的一个参考，我感觉应该还可以更低。

If the US Federal Bank increased the rate next month, it would press the rate in Canada to go up also. This can explain why recent rate in Canada goes up since the end of the last month because the market expectation for the rate hike is being priced in. It will not increase after the US rate hike, it will start to do so before due to the expectation well before it really happens.

 

[卡城新人2014]

If the US Federal Bank increased the rate next month, it would press the rate in Canada to go up also. This can explain why recent rate in Canada goes up since the end of the last month because the market expectation for the rate hike is being priced in. It will not increase after the US rate hike, it will start to do so before due to the expectation well before it really happens.

我的意思不是利率会走低，而是和贷款经纪谈的时候，可以要低一些，争取更低的，供后来人参考

 

[tianyu4158]

有这么好吗？
刚从rbc问来，说浮动只有5年的，而且是close, 最低2.25%，特例能拿到2.20%
说open的会很贵。
有意思的是这个贷款经纪在加国10年了，还没习惯这里，而且压根不想习惯，言下之意，我没必要在这里买房，有道理哦呵呵

啥叫open的？