加拿大房贷利率近期要涨,然后接着可能大涨

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Canadian Mortgages Forecast To Rise Before Hikes

Even if the Bank of Canada (BoC) holds the overnight policy rate until Fall, mortgages will creep higher. Desjardins sees the 5-year fixed-rate hitting 3% by Fall of next year. This would be an increase of almost 50% from the end of last year. At that number, the 5-year fixed mortgage rate would be around pre-pandemic levels. It would be a gradual tightening of the market, without the influence of the overnight rate.


Found a way to circumvent the stress test? This would have a fairly significant impact on the debt one can carry. Increasing the mortgage rate from 2% to 3% reduces maximum mortgage leverage by nearly 10%. As for existing homeowners, they would obviously experience no impact until renewal. Those subject to the stress test are unlikely to see a difference in their leverage. Unless rising rates push the stress test rate higher.


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ccc

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greybear

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银行也要割韭菜了。
 

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17.5%?


回到20%多最好。


Screenshot_20210528_103930.jpg
 

春夏秋鼕

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需要央行利率配合才有可能17%,如果成真,不知一屁股债的政府咋办:D
 

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疫情之后,政府疯狂发钱之后,发生啥事都不奇怪。
 

pido

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美联储都快零利率了,还能指望加拿大涨利率?
 

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