加拿大华人论坛 加拿大房产Switch to a fixed rate or not?
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My mortgage is on a variable rate (5yr closed), which is 1.5% (prime-0.75%) now. The mortgage can be switched to a fixed rate at any time. I am very happy with the variable rate.But there is saying that there will be big inflation ahead of us becaus of the current economical situation, which could result in the big jumps of the variable rate. And the banks just increased their 5 yr fixed rates, and I guess they are going to keep doing it.I wonder if I need to switch to a fixed rate before the fixed rate goes up too high? What is your opinion?Thanks.
评论
回复: Switch to a fixed rate or not?回楼主，Prime-0.75已经是很不错了。我要是你我就不会去锁定利率。现在锁定利率通常在3.5左右，浮动利率是Prime+0.65。如果Prime-0.75＝3.5的话，那么Prime就是4.25。现在的prime是2.25，要涨到4.25基本需要将近2年的时间。但是现在刚买房的朋友就一定要选锁定利率了。
评论
回复: Switch to a fixed rate or not?我刚买房，选择浮动close。至少央行说一年内P会保持2.25，如果P不变，fixed一部会长到太高。
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