加拿大华人论坛 加拿大房产Prime rate decrease to 2.85%
在加拿大
Effective Wednesday, January 28, 2015 the Bank’s prime lending rate decreased from 3.00% to 2.85%.
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央行降了0.25，为啥他们之降0.15？
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我也是有个当贷款经纪的朋友刚刚告诉我后，我看了新闻才知道的。不过TheStar有各大银行对外公布的信息。我可以给大家摘录过来。也许可以帮忙回答楼上的疑问。“Spin Mortgage co-founder Steve Pipkey says the prime lending rate offered by Canadian banks usually moves in lockstep wit the central bank’s overnight lending rate and it’s unusual for the bank to only partially pass on the savings to consumers.Pipkey told The Canadian Press that the banks are likely trying to protect their lending margins.RBC called its move “a balanced approach which reflects our actual cost of funds and helps clients save money on products such as variable-rate mortgages, lines of credit and floating-rate loans,” an RBC spokesperson said in an email to The Star.“Our decision was driven by a number of factors, including the bank’s wholesale funding costs, the competitive, operating and macroeconomic environments,” spokesperson Wojtek Dabrowski wrote.The Bank of Canada’s recent rate decision was also a factor, RBC said.TD said its move “reflects our commitment to review our rates on an ongoing basis and offer competitive options to meet our customers' needs.””From: http://www.thestar.com/business/2015/01/27/rbc-cuts-prime-lending-rate.html
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