• Jeffrey Niu

原创 | 美联储搞大新闻,按揭利率影响几何?


总想搞个大新闻的美联储,给市场做足铺垫之后,终于在3月15日宣布加息25个基点,联邦基金利率从0.5%~0.75%调升到0.75%~1%。

对加拿大利率的影响:

1、加拿大央行利率政策受通胀率(Inflation Rate)和经济增长(GDP)速度影响。从过去十年看,加拿大通胀率变化和美国基本同步,波动大于美国;美国GDP增速领先加拿大1-2个季度。

图1:加拿大-美国2007-2017年通胀率



图2:加拿大-美国2007-2017年GDP




因此,从时间周期看,美国利率政策的变化领先加拿大1-2个季度。

图3:加拿大-美国2007-2017年利率走势



2、浮动利率按揭贷款受央行利率影响,暂时不会发生变化;但固定利率按揭更多受到债券收益率影响,债券收益率对美联储利率变化敏感,因此固定利率按揭将很有可能同步提升25个基点

3、短期内固定利率和浮动利率的价差可能进一步增大,按揭客户锁定未来利率上涨空间的成本也将进一步加大。

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CONTACT US

 2010 Winston Park Drive, Suite 200

Oakville, ON L6H 5R7

TOLL FREE TEL: (844) 644-1818

TOLL FREE FAX: (844) 644-1819

info@primemortgagebroker.ca

PRIME is part of TMG The Mortgage Group – an award-winning Canadian mortgage brokerage with a national team of over 800 qualified and accredited mortgage brokers, agents and associates providing residential and commercial mortgage services. Since 1990, TMG has helped over a quarter million Canadians get the best financing solutions and mortgage rates through Canadian mortgage lenders from coast to coast.

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maridian_edited
mcap_edited
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