纵观Prime Rate的涨涨落落

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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20157月的2.7%,并一直保持在2.7%的历史低位直至20177月。但自2017年年中以来,利率进入了上升通道,经过20177月、9月、20181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。

57 Prime Rate - 1yr.png

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19818月曾经高达22.75%,而最低值2.25%则是出现在 20094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。

57 Prime Rate - 1960-2018.png

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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