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A “trigger rate” is the point at which interest payments eat up all of a monthly mortgage payment, and the borrower is no longer paying down the principal they borrowed — something that’s not allowed under Canadian lending rules.This means borrowers will be contacted by their lender and, typically, given the option to either increase their monthly payment, or make a lump sum payment against their mortgage to lower the amount owing. Depending on their mortgage, borrowers may also have the option to switch to a fixed-rate mortgage – though Rabidoux and others warn there’s a chance borrowers could end up locking themselves in at unnecessarily high rates.
触发利率”是指利息支付耗尽所有每月抵押贷款支付的点，借款人不再偿还他们借入的本金——这是加拿大贷款规则所不允许的。这意味着借款人将被他们的贷方联系，并且通常可以选择增加他们的每月付款，或者一次性支付他们的抵押贷款以减少欠款。根据他们的抵押贷款，借款人也可以选择转向固定利率抵押贷款——尽管 Rabidoux 和其他人警告说，借款人最终可能会以不必要的高利率锁定自己。
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