纵观Prime Rate的涨涨落落

字体 -

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

分享博文至:

    76 条评论

  1. 61. quest bars cheap - 2019年11月30日 19:03

    Hi, its good paragraph on the topic of media print, we all know media is a great source of information.

  2. 62. ps4 games - 2019年12月5日 20:57

    Fantastic post however I was wondering if you could write a litte more on this topic? I’d be very grateful if you could elaborate a little bit further. Appreciate it!

  3. 63. ps4 games - 2019年12月5日 21:07

    I like it when people get together and share opinions. Great blog, keep it up!

  4. 64. ps4 games - 2019年12月6日 17:24

    My partner and I absolutely love your blog and find many of your post’s to be precisely what I’m looking for. Does one offer guest writers to write content for yourself? I wouldn’t mind writing a post or elaborating on a few of the subjects you write related to here. Again, awesome site!

  5. 65. ps4 games - 2019年12月6日 17:36

    Excellent goods from you, man. I have understand your stuff previous to and you are just extremely wonderful. I really like what you’ve acquired here, certainly like what you’re saying and the way in which you say it. You make it entertaining and you still take care of to keep it smart. I can’t wait to read far more from you. This is really a wonderful web site.

  6. 66. ps4 games - 2019年12月6日 20:21

    There is certainly a lot to find out about this topic. I really like all the points you have made.

  7. 67. quest bars cheap - 2019年12月8日 01:26

    Thank you, I’ve recently been looking for information approximately this subject for a while and yours is the greatest I’ve found out till now.

    But, what about the conclusion? Are you positive in regards to the supply?

  8. 68. ps4 games - 2019年12月10日 21:12

    Do you mind if I quote a couple of your posts as long as I provide credit and sources back to your webpage? My blog is in the very same niche as yours and my visitors would genuinely benefit from a lot of the information you present here.

    Please let me know if this alright with you. Many thanks!

  9. 69. ps4 games - 2019年12月11日 22:58

    Excellent post. I was checking constantly this blog and I’m impressed! Very useful information specially the last part :) I care for such information a lot. I was seeking this particular info for a long time. Thank you and good luck.

  10. 70. match.com free trial - 2019年12月29日 10:22

    I wanted to thank you for this wonderful read!! I absolutely enjoyed every bit of it.

    I’ve got you book-marked to check out new stuff you post…

« 1, 2, 3, 4, 5, 6, 7, 8 » - 查看所有评论

发表评论