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
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