纵观Prime Rate的涨涨落落
Kathy Wang
曾经在银行贷过款或咨询过贷款的人，想必都听到过Prime Rate这个词。那么究竟什么是Prime Rate，它又是根据什么来决定的呢？
Bank Lending Prime Rate，是银行的贷款参考利率，它曾经是指银行/金融机构出借给最好的客户的最优惠利率，当然现在的含义不仅仅如此，它更是贷款利率的一个参考标准。Prime Rate是根据央行公布的银行间隔夜拆借利率来进行调整的，目前央行拆借基准利率为1.5%。
各大银行的Prime Rate是在经过2015年初和年中的两次降息后，由2014年底的3%逐步调低至2015年7月的2.7%，并一直保持在2.7%的历史低位直至2017年7月。但自2017年年中以来，利率进入了上升通道，经过2017年7月、9月、2018年1月、7月的四次连续加息 （如下图），目前的Prime Rate 已经上升到3.7%，按经济学家的预测，未来应该还有上涨的趋势。
根据加拿大央行1960-2018年的统计数据（如下图），历史上的Prime Rate 平均值是7.33%，在1981年8月曾经高达22.75%，而最低值2.25%则是出现在 2009年4月。从下面这张图，我们可以清晰地看到Prime Rate 的历史趋势，而最近几年的Prime Rate可以说是一直徘徊在历史最低点。
很多人在咨询贷款时的第一个问题便是，请问利率是多少？殊不知在目前仍然较低的Prime Rate下，尽快锁定更长期限的固定利率方为一个明智的选择。我们头脑中有了利率的大局观，当然就不会去斤斤计较0.1%，乃至0.05%的利率差别，而选择能让贷款最快顺利得到批准的银行，享受最佳的银行服务，才是挑选银行的关键。
(本文仅代表个人观点)
如有问题欢迎随时致电Scotiabank房贷专家Kathy （王雷） 647- 291-7958，或加微信kathywl
21 条评论
These are really enormous ideas in concerning blogging. You have touched some good things here. Any way keep up wrinting.
Hi just wanted to give you a quick heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different web browsers and both show the same results.
Outstanding quest there. What occurred after? Good luck!
I am really loving the theme/design of your weblog. Do you ever run into any internet browser compatibility problems?
A couple of my blog audience have complained about my blog not operating correctly in Explorer but looks great in Opera. Do you have any recommendations to help fix this issue?
My spouse and I absolutely love your blog and find many of your post’s to be what precisely I’m looking for. Would you offer guest writers to write content for you? I wouldn’t mind writing a post or elaborating on a lot of the subjects you write concerning here. Again, awesome site!
There’s certainly a lot to learn about this topic. I like all of the points you have made.
You could certainly see your enthusiasm in the work you write. The arena hopes for more passionate writers like you who are not afraid to mention how they believe. At all times follow your heart.
I got this web page from my buddy who told me about this website and now this time I am browsing this site and reading very informative articles or reviews at this time.
each time i used to read smaller articles or reviews that also clear their motive, and that is also happening with this post which I am reading here.
Thank you, I have just been looking for info approximately this subject for a long time and yours is the best I’ve found out so far. However, what in regards to the bottom line? Are you sure in regards to the source?