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枫下家园 / 住房话题 / 各位大狭, 刚拿到一个 5.04 的四年期的利率, 不知各位以为如何?
-xiaolin(小蚊子);
2002-10-15
(#799165@0)
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Sounds good.
-qazwsx12(qazwsx12);
2002-10-16
(#799950@0)
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最便宜的是一个朋友去年10月签的,TD,5年期,才3.85。可能比有的地方的Open的都便宜呢。划算划算,他们谈判肯定有一手。
-johnnyhatesjazz(Rock and Roll);
2002-10-18
(#803948@0)
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不可能。5年的从来没有这么低的。
-xiaoma99(xiao ma);
2002-10-18
(#804207@0)
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为什么不可能呢?我的朋友也是在TD申请的pre-approval, 同楼上得到的一样,还9个月有效。
-ppmm(蓝妹妹);
2002-10-18
(#804523@0)
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3.xx%恐怕是5年浮动利率。(5 Year term Closed Variable Rate)
-dundas888(敦达寺);
2002-10-18
(#804552@0)
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Could you tell us which bank? Thanx
-aloha123(Aloha Man);
2002-10-16
(#800106@0)
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check your e-mail
-xiaolin(小蚊子);
2002-10-16
(#800162@0)
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Is it your first mortgage?Can i have the name of the bank 2? thx a lot.
-so_34(奥尼尔);
2002-10-16
{45}
(#800186@0)
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check your email
-xiaolin(小蚊子);
2002-10-16
(#800332@0)
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I didn't get your emailCould you email me at weili1188@yahoo.com. Thank you.
-aloha123(Aloha Man);
2002-10-16
{53}
(#800482@0)
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why not use variable rate.
-solerealtor(金牛);
2002-10-16
(#800324@0)
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because the rate will be up.
-xiaolin(小蚊子);
2002-10-16
(#800333@0)
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因为他比银行专家聪明。
-rollor(Rollor);
2002-10-16
(#800380@0)
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首先, 不要用这种口气讲话...1. 经济很难预测, 包括专家. 否则他们早是百万富翁.
2. 固定利率, 无非是有个准确的计划. 至于多付得有限, 因为我不是付 25 年.
3. 即便浮动一直低于我的固定的一个百分点, 四,五年下来, 也不过多付三千左右, (总额10万).
4. 不要说几十年来浮动一直比固定省钱, 别忘了, 现在是几十年利率最低点. 我不认为北美经济会象日本一样萧条10年. 一旦经济转好, 利率怎么走, 您比我清楚.
-xiaolin(小蚊子);
2002-10-16
{356}
(#800699@0)
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对不起。口气不好,表示道歉。各种方案都有人买,说明了大家的观点差距很大。我这种人,十分小气。每年省一百元就高兴得不得了。那里比得上您大家风范。我不懂经济,从来不敢预测经济走向,所以只能随波逐流,跟着市场走。
-rollor(Rollor);
2002-10-17
(#801911@0)
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另外, 你贴的文章我看过, 我只不过有自己的看法.
-xiaolin(小蚊子);
2002-10-16
(#800702@0)
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那你坚持说要浮动利率是因为你和专家们一样聪明啦?你那套漏洞百出的东东不是没人驳你,而是没人愿意花时间驳你而已,就俺个人来说,看你拿着浮动走入沟里,和俺看着没安的队伍一天天壮大的心情是一样的高兴。:)
-fatboy(大胖墩儿厨);
2002-10-16
(#800714@0)
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?
-jianghongca(慎独);
2002-10-16
(#800720@0)
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胖哥们儿,你有啥问题吗?:)
-fatboy(大胖墩儿厨);
2002-10-16
(#800783@0)
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好奇ing,你啥时候也做上霉安了?
-jianghongca(慎独);
2002-10-16
(#800819@0)
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胖兄,俺是看到没安的人上当又不觉醒而高兴,俺会去参加没安?下辈子吧。
-fatboy(大胖墩儿厨);
2002-10-16
(#801061@0)
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浮动什么的现在看还是比较占便宜的? 好久没听利率了。 我觉得 一般人心理素质不好,(如ME),固定的比较好, 自己做了调查的,活动利率还是可以的吧
-ningxin0809(雁影行洲);
2002-10-16
(#800824@0)
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who is ME ?
-win(秋天的菠菜);
2002-10-16
(#801053@0)
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I is me
-ningxin0809(雁影行洲);
2002-10-18
(#803698@0)
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很希望你能花时间驳一下,我那只是学习总结。如果你能驳斥我的观点,说明固定利率比浮动利率省钱的可能性大,我肯定转方案。
-rollor(Rollor);
2002-10-17
(#801913@0)
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那好,你先告诉俺,根据你的数据,过去十五年里的浮动利率有哪些低于5。04%的?
-fatboy(大胖墩儿厨);
2002-10-17
(#802706@0)
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93.7 - 94.2,96.8 - 97.11,2001.8 以后。
-rollor(Rollor);
2002-10-18
(#803695@0)
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那好,俺们都知道十五年共180个月,你上列时间粗算不过三十六个月左右,36/180=20%。也就是说对小蚊子而言,要他浮动是要他去追求20%的机率,凭啥?就凭你这专家的眼光,还是你认为20%》100%?
-fatboy(大胖墩儿厨);
2002-10-18
(#804219@0)
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I don't agree with you at this point. Do you know how many months the fixed rate is over 5.04%? The hightest is 17%. Can you get fixed rate 5.04% for 15 years?????
-holly999(酒肴肴);
2002-10-18
(#804257@0)
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嘿,酒弟啊,事实是蚊子已经拿到5。04四年对吧,而rollor在这鼓吹“浮动好啊就是好”已经好几个月,我要问的是,对于一个已经拿到好的固定的如蚊子,拿什么来证明浮动就一定好过他拿到的固定呢?显然,rollor的证据是不够的。至于你说的能不能拿5。04十五年,如果蚊子五年还完贷,他要十五年低息干啥?
-fatboy(大胖墩儿厨);
2002-10-18
{74}
(#804272@0)
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If it is for the case of 蚊子(蚊子五年还完贷), 5.04% is good enough.
-holly999(酒肴肴);
2002-10-18
(#804284@0)
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你这观点把俺闹糊涂了,你到底支持啥观点?:)假如你同意近五年内是5。04这样的固定比浮动好,那就更没啥争议的了,如果五年以后是浮动好,那时候蚊子还来得及改成浮动是吧?可见说浮动好的应该回家撞墙式反省,并主动向LD认错。:)
-fatboy(大胖墩儿厨);
2002-10-18
{20}
(#804296@0)
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what you need to take in counting is 5 years average.
-holly999(酒肴肴);
2002-10-18
(#804263@0)
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那也好,过去五年的平均是啥?
-fatboy(大胖墩儿厨);
2002-10-18
(#804279@0)
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over 8%. I got 6.01% in May 2001. my friend got 7.2% in Oct. 2000
-holly999(酒肴肴);
2002-10-18
(#804288@0)
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既然如此,如何证明浮动能胜过5。04呢?
-fatboy(大胖墩儿厨);
2002-10-18
(#804291@0)
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at the same period. open is lower than fixed. If I sign open one, I will save much money today.
-holly999(酒肴肴);
2002-10-18
(#804297@0)
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这话就奇怪了,你只能说,历史数据,同期的浮动低于同期的固定,这基本上是一句废话,不低才怪呢。问题是每一个个人,象蚊子,都会拿到一个现在的固定,你要能证明浮动一定胜过他拿到的固定,那才怪了呢?说什么专家?专家的专家也不敢说这话啊。
-fatboy(大胖墩儿厨);
2002-10-18
{26}
(#804302@0)
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不知道你说的“废话”指的是什么。历史上,某时的浮动利率不一定低于固定利率!这有什么好奇怪的?例如1989年下半年,浮动利率比五年固定利率高。但是,当时选择浮动的仍然省钱了,因为到94年的平均浮动利率低于此时的固定利率。
-rollor(Rollor);
2002-10-18
(#804419@0)
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At the same period, variable is ALWAYS lower than fixed. But with fixed,t he risk factor is 0. With variable, you have a risk factor for future interest rate. You have to take that risk into account in order to assesswhich one is better. Note that your saving on variable rate has to be discounted using the risk factor in order to get an accurate figure to compared with fixed rate which has a zero risk for the next 5 years.
-jeffrey815(Smartiecat);
2002-10-18
{209}
(#804354@0)
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I have sign fixed contrat for 5 year term. I realy feel lose of money. Actually, I didn't analyze too much on that. what I said is only a feeling. maybe the econnomy will going up. then I will feel beter. I hope so.
-holly999(酒肴肴);
2002-10-18
(#804307@0)
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老兄,你到底看没看我的文章啊?我的文章的中心观点是:历史中,任意时间的五年固定利率A与从那时起五年之内的平均浮动利率B相比,A通常大于B;而在二十年左右的连续时间内,若干个A之和则都大于各个B之和。
-rollor(Rollor);
2002-10-18
(#804385@0)
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你啊,还不收兵?俺就问你,你任何一个五年的平均浮动,有低于5的吗?
-fatboy(大胖墩儿厨);
2002-10-18
(#804415@0)
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不要把眼光单独地放在浮动或固定利率上,既然是要比较两者,就放在一起比较。如果今天五年固定利率是5%,就说明银行专家认为五年内浮动利率的平均值不会高于5%。当然他们的判断不100%可靠,但比我的判断可靠的多。
-rollor(Rollor);
2002-10-18
(#804437@0)
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真奇谈怪论,俺不比较浮动和固定,俺跟你讨论个嘛?专家意见?固定也是天天变,浮动也是天天变,俺们follow哪个专家意见?难道就follow您的?
你废话少说了,现在拿到5是稀松平常的事,说说看,浮动怎么就不可能高过5去?
-fatboy(大胖墩儿厨);
2002-10-18
(#804453@0)
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我已经解释多少次了,去看看我原文中怎么写的,然后请进行驳斥。
-rollor(Rollor);
2002-10-18
(#804461@0)
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俺要去炒你的冷饭干什么?这个网上人家关心的是拿固定,还是拿浮动,你愿意拿啥那本来是你的是,看人家老酒,就老老实实的说他拿的是固定,但感觉吃亏了,听到没?那叫“感觉”,说文了,是feel,说白了,那叫“蒙”。你就是说到嘴上出玫瑰,你也就一个懵字,还理论,分析?边待着歇会逗孩子去吧。哪有理论能说清楚rate走向的?你当俺们几岁啊。所以呢,你要特喜欢浮动,你就抱着浮动没事偷着乐,人家拿固定的,自有人家的道理,干吗人家还非跟着你走不成?你毛主席啊,毛主席现在也没人跟了不是。:)
-fatboy(大胖墩儿厨);
2002-10-18
{264}
(#804480@0)
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多谢教诲。
-rollor(Rollor);
2002-10-18
(#804487@0)
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Well. That's exactly the point. For fixed rate, you are guarantee. For variable rate, you are taking a risk. It's like someone prefer a 5% return with no risk, and someone prefer a 7% return with 20% risk.When you assess the future, there is a risk. And that risk has to be discounted if you are comparing with fixed rate. You can't just take the average of that risky investment and compared with the average of a non-risky investment. There is another factor to compared besides expected return, that's deviation, and variance. It's very simple concept in investment and finance.
-jeffrey815(Smartiecat);
2002-10-18
{379}
(#804455@0)
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俺觉得在这个问题上你的意见比较专业,所以俺怀疑你不是学CS而是学财会的,瘦猪的师弟?:)
-fatboy(大胖墩儿厨);
2002-10-18
(#804459@0)
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I'm under Actuarial Science....lol..... And writing my second actuarial exam on finance, economic, and interest theory next month.... hoho....
-jeffrey815(Smartiecat);
2002-10-18
(#804466@0)
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闹半天你真是瘦猪的师弟!那谁说的你学电脑的?
-fatboy(大胖墩儿厨);
2002-10-18
(#804507@0)
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No. He graduated from Accountancies Studies. We are not even in the same faculty.
-jeffrey815(Smartiecat);
2002-10-18
(#804516@0)
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你真认识瘦猪,不都说她是个美眉吗?
-fatboy(大胖墩儿厨);
2002-10-18
(#804527@0)
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I don't know him/her. I heard she's a lady. Then someone said he's a man. I'm also confused. But I know he's a Chartered Accountant... then he had to graduate from Accountancy Studies in my school.
-jeffrey815(Smartiecat);
2002-10-18
(#804557@0)
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确实是这么个问题。你花钱买保险,为的是不会损失太多的钱;我不花钱买这个保险,为的是省钱。都是有所失有所得的事。其实跟大胖也没什么好争的,有什么样的市场,就有什么样的商品。他愿意花钱买个心里踏实,也没什么错。
-rollor(Rollor);
2002-10-18
(#804482@0)
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其实这个问题还是应该争一下. 总之, 大家一个目的省钱! 问题的实质在于...哪个省钱的可能性大. 我是倾向于固定.不能说经济无法预测就不去预测. 也别说我多花钱只为了心里踏实.基本上, 我赞同胖兄的观点.
Roller 兄的文章基本上不值一驳. 拿着别人的文章当圣经,不去睁开眼睛看市场, 也不喜欢思考, 具有这样习惯的人我倒认识几个, 他们往往在股票市场赔钱, 多付房贷利息也在情理之中了.
-xiaolin(小蚊子);
2002-10-18
{288}
(#804642@0)
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说什么“还是应该争一下”,然后又表示“不值得一驳”,哼,算了吧。三千块钱都不在乎的人,谈什么关心“哪个省钱”?
-rollor(Rollor);
2002-10-19
(#805789@0)
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现在这个行势,还在作OPEN RATE梦的人,快醒醒吧。
-luobogao(萝卜糕);
2002-10-16
(#800724@0)
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君不见格老又要酝酿降息了吗?
-farmer(农夫®);
2002-10-17
(#801901@0)
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可是看样子这个利息又要降了啊。fix的比open的现在高差不多2个点或更多。1年下来就不少钱啊。远了看不到,至少今年这个经济应该还是疲软。如果海湾打起来,借鉴上次海湾战争经验,经济还要差。open的现在应该还好吧。买房子的都是很多钱,差个2个点,虽然不太多,但出去FB一下不是更好。
-johnnyhatesjazz(Rock and Roll);
2002-10-18
{65}
(#803944@0)
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A big part of Bush's plan of war is to boost economy...And historical evidence prove that war can help economic expansion.
-jeffrey815(Smartiecat);
2002-10-18
(#804058@0)
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Which bank? Contact number?
-wyh(wyh);
2002-10-18
(#803933@0)