Topic: 请问各位，是浮动利率好，还是固定利率好。 @爱德华王子岛华人论坛:爱德华王子岛枫下论坛 The Rolia Forum of PEI

Variable is betteryou can do a calculation by yourself. -oktoronto(Barry); 2002-10-2 {37} (#777736@0)

yeah. you are right.I did a calculation before for my assignment. -lovetiantian(天天向上); 2002-10-2 {45} (#777785@0)

No, you are not totally right. I bet you didn't take into account of the probability of the rate going up and by how mayn bp. -jeffrey815(Smartiecat); 2002-10-2 (#777874@0)

我有同样问题,请DX给个主意.3年fixed 的是4.7%.open variable的primary-0.75%. 可是这个月中央银行要开会听说要上调利率. -tebby(tebby); 2002-10-2 (#777836@0)

I would take the 4.7% for 3 year fixed, or 5% for 5 year fixed if you can find one. It gives you a peace of mind in term of long term budgetting... -jeffrey815(Smartiecat); 2002-10-2 (#777877@0)

fix is better, since the interest rate is going up -jeffrey815(Smartiecat); 2002-10-2 (#777866@0)
（历史只能表示过去，不能代表将来）历史表明，买房贷款采用浮动利率比固定利率省钱的机会多很多。所以，如果你想省钱，就采用浮动利率；如果你希望保证自己不多花很多钱，就采用固定利率。 -rollor(Rollor); 2002-10-2 (#777886@0)

History prove that if the interest rate is going down, then variable rate can save you a lot of money. I can't see how the history can prove that variable would save you money if the interest rate is going up.And by the way, you cannot make a profit based on past information or public information in any type of investment. That's a very basic rule in finance called efficiency. So can't agree with you more on 历史只能表示过去，不能代表将来. -jeffrey815(Smartiecat); 2002-10-2 {236} (#777895@0)

假定现在的浮动利率是3.25，五年固定利率是5.25。现在利率呈上升趋势，五年内，浮动利率有可能超过5.25，但五年的平均利率是大于还是小于5.25呢？历史上绝大多数时候，浮动利率的五年平均值都小于五年固定利率。 -rollor(Rollor); 2002-10-2 (#777937@0)

央行最优惠利率（Prime Rate）定的是4.5%，而从银行能拿到的最佳浮动利率是Prime - 0.75，即目前是 3.75%。银行公布的五年固定利率多为 6.x%，但会给你 1% 的优惠，所以相当于五点几。 -rollor(Rollor); 2002-10-2 (#778024@0)

请问怎样才能得到Prime-0.75?我这两天跟TD和RBC谈，他们说只能给到-0.5. 多谢！ -jacky2000(Jacky); 2002-10-2 (#778317@0)

Well, suppose 2 year ago, the average growth for Nortel stock was 30% for the past 10 year, did you predict that the average growth was -600% for the past two year? -jeffrey815(Smartiecat); 2002-10-2 (#777981@0)

咱说的是向别人借钱还是把钱借给别人？是不是因为历史不会重演就不从历史中找规律？你既然选择固定利率，就说说你五年固定利率比我五年浮动利率省钱的理由。拿出点真凭实据来。 -rollor(Rollor); 2002-10-2 (#778002@0)

Sigh... as I said, you can't make money on historical information. If you can, everyone is going to use variable rate but you see more people using fixed rate than variable rate. They do it for a reason.... -jeffrey815(Smartiecat); 2002-10-2 (#778909@0)

市场上的各种商品适合于不同的人，每个人挑选时都有自己的理由。请问你选固定利率的理由是什么？是因为你在跟从别人的选择，还是因为你自己有理由相信这样做利益更大？ -rollor(Rollor); 2002-10-3 (#779233@0)
But, I heard 70% of Canadian use variable rates. -newhomeowner(happy tiger); 2002-10-3 (#779500@0)

I think the best way to pay off your morgage is:Always choose the lowest interest rate morgage(no matter variable or fixed. But most of the time is variable) and pay as much as you can. You will save a lot. -ralph(Flyingsky); 2002-10-3 {158} (#779191@0)

因人而异,没有绝对的.你的收入高可在短期内多还的浮动的好. 如果你每月剩不了太多的固定的会好一些. 关键是算你付清整个贷款要交多少利息. 一般第一次买房的人现在利率很低,我建议先要一个5年固定,5年后再要一个三年浮动OPEN, 基本就差不多快付清了了. -0canada(ocanada); 2002-10-3 {217} (#779255@0)
我算过1992.3~~2002.2月这十年间的最优惠利率(PRIME)的平均值是6.45%, 这期间最高9.75, 最低3.75. 而且我认为这两年的利率涨不到哪里去, 没准还出现象日本那样的储蓄0利率呢(做梦ing).所以我选择浮动 -back(我想归去,可是..哪里?); 2002-10-3 (#779302@0)
What economic factors cause prime rate up? -zichao(mike); 2002-10-3 (#780315@0)

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