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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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Yields Down. Rates, Not So Much0 A9 q0 c! [5 T. Y4 o- Z  G' e

4 k& \- P4 [7 ~; e4 R6 Y( PCanada’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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+ C2 [  K0 u4 D( b8 ?6 ^0 c; hWhile 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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# d8 l3 A1 ]( S5 o+ }% K& }1 i) @! rOne 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.
$ m: j" ]$ p: NThe lender went on to say: “There may be some movement soon, but banks are ensuring bond prices stay consistent before they make a move.”
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发表于 2009-7-6 18:38 | 显示全部楼层
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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?; v- l. k# D# [: O, V9 _

  K, V" }# ~" d; |$ D# D Banks last raised mortgage rates on June 9, when the 5-year bond yield was at 2.68%.
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Since then, the 5-year yield (which guides fixed mortgage pricing) has fallen to 2.44%, but bank rates have not budged.2 I7 a2 l8 a# z: U" H& p# T+ n
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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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# |; o' p6 t' rHe 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."
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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.+ i0 w. e/ U# m3 F

+ s3 R- Z3 H' l" GIf 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.
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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.  7 `# f  g6 i0 ~7 {

9 b. h$ E0 H! w9 x- rYou’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?; ?; c4 _& Q8 L* }8 C
5年锁定利率现在差不多都到5%了把?
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