Author Topic: 6 decembrie - Dobanda de referinta ramane neschimbata  (Read 910 times)

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Offline admin

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6 decembrie - Dobanda de referinta ramane neschimbata
« on: Tuesday 06 December 2011, 17:21:52 »
The Bank of Canada kept its overnight interest rate at 1% on Tuesday, predicting that Europe’s recession would be “more pronounced” than previously thought but giving no suggestion of an impending rate cut.

http://business.financialpost.com/2011/12/06/bank-of-canada-rate-decision-what-the-analysts-say/

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Offline Tacalin

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Re: 6 decembrie - Dobanda de referinta ramane neschimbata
« Reply #1 on: Tuesday 06 December 2011, 21:36:45 »
Deci dobinzile la ipoteci or sa ramina la fel?
sau or sa mai scada?
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Re: 6 decembrie - Dobanda de referinta ramane neschimbata
« Reply #2 on: Tuesday 06 December 2011, 22:14:34 »
Greu de spus. Dobanda de referinta a bancii centrale este "legata" oarecum numai de dobanda variabila. Deci dobanda de referinta la bancile comerciale va ramane la 3% cel putin pana la urmatoarea sedinta din 17 ianuarie.
http://www.bankofcanada.ca/monetary-policy-introduction/key-interest-rate/schedule/

Dobanzile fixe sunt legate de valoarea bondurilor de trezorerie cu scadenta la 5 ani (pentru dobanda fixa la 5 ani). In acest moment bondurile astea sunt tare jos, d'aia si vedem dobanzi fixe la 5 ani pe la 3.19%.
http://www.bloomberg.com/apps/quote?ticker=GCAN5YR:IND
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Offline Tacalin

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Re: 6 decembrie - Dobanda de referinta ramane neschimbata
« Reply #3 on: Wednesday 07 December 2011, 01:39:17 »
citisem undeva ca cele mai avantajoase pentru client si, implicit, cele mai dezavantajoase pentru banca, ar fi ipotecile pe 3 ani.

true or false?

ce dobinzi poti obtine acum pe 3 ani?
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Offline vasilem

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Re: 6 decembrie - Dobanda de referinta ramane neschimbata
« Reply #4 on: Wednesday 07 December 2011, 07:34:19 »
2.89% stiu eu...


Offline admin

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Re: 6 decembrie - Dobanda de referinta ramane neschimbata
« Reply #5 on: Wednesday 07 December 2011, 16:51:08 »
Se poate obtine chiar 2.79% pentru 3 ani. Nu este vorba de avantajoase sau neavantajoase, mai degraba ar fi vorba ca daca iei acum un 2.79% inchis pentru 3 ani, in locul unui 3.19% pentru 5, ai toate sansele ca innoirea ipotecii de 3 ani sa vina intr-un moment in care economia s-ar relansa si sa reinnoiesti la un 5.29%.
Pentru o diferenta de 0.30% sau 0.40% as zica ca-i mult mai safe sa ai 2 ani in plus de dobanda mica.

Trebuie sa fii constient ca dobanzile de acum sunt o exceptie si ca nu stim sigur cat vor mai rezista pe piata, iar dobanda normala in Canada a fost intotdeauna peste 5%.

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Offline mircea

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Re: 6 decembrie - Dobanda de referinta ramane neschimbata
« Reply #7 on: Monday 16 January 2012, 01:18:57 »
"One element is that bond yields have been plunging recently, so market watchers say it's not too surprising to see other rates drop, too, a reflection of there being more cash in the system." - da, numai de vreo 3 luni sunt atat de scazute. deci nu-i neaparat asta motivul

"If you want to switch, the only way to know for sure whether you'd be further ahead is to ask your current lender how much it would charge to release you early from your mortgage." - trebuie vazut cat anume este penalitatea si facute ceva calcule de rentabilitate

"But some economists warn that these low rates will do nothing to keep a lid on what's been called an "overheated" real estate market in a few Canadian cities" - asta este tare adevarat. preturile si piata vor fi stimulate fara discutie.
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Offline Tacalin

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Re: 6 decembrie - Dobanda de referinta ramane neschimbata
« Reply #8 on: Monday 16 January 2012, 01:28:21 »
futui! tocmai am primit raportu`pe anu`trecut de la fondu`privat de pensii: -7% :(
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