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枫下家园 / 枫下觅巢 / 十月中旬要续房贷，是选3年固定呢，还是5年变动呢？有几个Agent建议5年变动。猜测Prime一年之内降低1.5%。Currently, the best rates are 3 yr fixed 4.49% & 5 yr variable rate of P-1.15%. With the Bank of Canada starting their rate cutting cycle, I recommend taking the 5-year variable. The market is forecasting 0.75% cuts by the end of 2024 and a total of 1.50% in a year. That would bring the variable rate to 4.05% and possibly lower after a year.
-lhq2000(阿伟);
8-22
{343}
(#16245004@0)
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同意
-flyingdagger(飞刀);
8-22
(#16245028@0)
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在哪找到的p-1.15？如果确实如此，肯定浮动划算现在很多银行能做到p-0.4就不错了。
-lovechina(努力...);
8-22
{33}
(#16245029@0)
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我的是-1.19. 再降点利率，就能承受了。
-rustalk(Sniper);
8-22
(#16245040@0)
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是最近签的吗？
-lovechina(努力...);
8-22
(#16245045@0)
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我也想知道。请分享哪家，怎么可以拿到。谢谢
-lhq2000(阿伟);
8-22
(#16245062@0)
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每人情况不同，可以从RedFlag 问到自己可以拿到的最好利率:
-lhq2000(阿伟);
8-22
{788}
(#16245055@0)
+1
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这肯定是新申请和大额贷款, renew 只给你小折扣
-min07ca(min07ca);
8-22
(#16245056@0)
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大银行可能拿不到。我的以前的是在Meridian。不介意，只要能拿到好的利率。30万Renew。可能要转到不同Union/机构。
-lhq2000(阿伟);
8-22
(#16245059@0)