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查看     | 回复 28 td 降息了
本主题由 版主 房产编辑 于 2018/4/18 4:06:01 执行 设置精华/取消 操作

rightwing

rightwing
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TD Canada Trust dropped its 5-year variable mortgage rate by 0.10 to 2.85 per cent on Tuesday, just a day before the Bank of Canada reveals its latest interest rate decision.

TD currently has the lowest 5-year variable mortgage rate out of Canada’s Big 5 banks, both before and after they dropped their rate. Rates for all of the banks have risen over the last year due to previous moves by the Bank of Canada, but TD’s adjustment is a promising one.

Christopher Alexander, Executive Vice President and Regional Director for RE/MAX INTEGRA Ontario-Atlantic Canada Region, says he believes it’s a good indication that the Bank of Canada will hold its overnight rate.

“I always say they probably will hold rates but that’s my guess, especially if TD is dropping theirs,” says Alexander. “The [real estate] markets overall are a little bit lower than expected, but there’s still a lot of the country that’s performing very well…if they do increase them, it won’t be very much.”

Since the beginning of the year, the mortgage industry has taken a slight hit, particularly in Ontario which saw new lending rules come into effect. All mortgage applicants must now pass a stress test to demonstrate they could withstand an increase to their mortgage rate. Previously applying just to borrowers who required mortgage insurance, now all home buyers must pass the stress test.

Home sales are suffering as a result; in March, home sales fell 39.5 per cent year over year in Toronto.

While several factors go into the movement of bank mortgage rates, low mortgage applications likely contribute to the decision.

“It could be part of it, it’s always tied to economic performance, and we haven’t had that growth that we had last year in the economy — we’re not losing anything, but it’s kind of flat-lined a little bit,” says Alexander.

“What banks are really trying to do is manage the debt load, and they’re being as responsible as they can… in true Canadian fashion the Big 5 are being conservative, and they don’t want to make any drastic changes that could have an impact on their lending practices.”

Even with factors like the mortgage stress test, a volatile market and a tenuous situation with the United States and the NAFTA agreement, Alexander says that the Canadian economy is set to see a strong couple of years, so potential home buyers shouldn’t be scared off now.

“Interest rates will probably rise over the next few years, so it’s a good time to shop for mortgages,” says Alexander.

This move by TD, and similarly neutral positions held by the other Big 5 banks, is in line with the traditionally cautious approach they’ve had, which helps protect both consumers and the economy.

“A lot of our economy is based on the real estate market and the residuals based off of that,” says Alexander. “I’m really pleased to see they’re being responsible and don’t want to upset the apple cart.”

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我爱大房

我爱大房
     2 楼
好吧,刚想发这个消息,结果你抢先了

海军总司令

海军总司令
|
     3 楼
央行别加息就好

rightwing

rightwing
| 只看楼主 |
     4 楼
贷款贷不出去,银行就要关门

realmap

realmap
|
     5 楼
银行的中心思想就是收储放贷

吐槽吐到你吐血

吐槽吐到你吐血
|
     6 楼
前幾天下午兩點左右把車(黑色)停在金鐘城食全食美外面的停車位,到出來的時候發現車子右邊的兩邊車門被撞凹了,同時還刮出了寬一尺,兩個車門長的刮痕,車子徹底廢了,沒找到兇手,估計是兇手泊車的時候刮的,在此給兇手司機送上一段美好的祝福,祝願你們每天都痛痛哭哭,家(狗犬)不安寧,開車高速爆胎、走路掉下水道、世世為娼、代代為奴..... 同仁鞠躬!!

约克爸爸

约克爸爸
|
     7 楼
哦,这个怎么大家每人聊

MunicipalE

MunicipalE
|
     8 楼
挖坑抢客户

ID:904537

访问TA的主页
|
     9 楼
该用户帖子内容已被屏蔽

jiaguofengqing

jiaguofengqing
|
     10 楼
降利息有毛用,不批,利息再低也是扯

苹果X

苹果X
     11 楼
因为明天要加息,TD提前降0.1%对冲央行升息

Jkanaa

Jkanaa
|
     12 楼
原帖由 苹果X            于 2018/4/17 19:53:26 发表
因为明天要加息,TD提前降0.1%对冲央行升息
说的对!苹果X说了,明天必须要加!

苹果X

苹果X
     13 楼
原帖由 Jkanaa        于 2018/4/17 20:56:32 发表
说的对!苹果X说了,明天必须要加!

莫激动,猜猜看看明天能不能中649

苹果X 最后编辑于 2018-04-17 21:29:48

abcbear

abcbear
|
     14 楼
TD现在五年fix什么rate?

kurtfyang

kurtfyang
|
     15 楼
噗哈哈,这段时间有很多好的讨论帖都不给加精。三傻一篇降息的文章加精了

我们来体会一下版主姐姐此刻激动的心情

版主姐姐,我对你的职业没意见。我对你这种毫不客观,完全靠个人喜好做事儿的行为特别不满。这转发个新闻就能加精了,呸!
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