加拿大的利率削减可能会降低固定利率以下的可变抵押利率,使借款人每月储蓄84美元,但风险仍然存在。 Canada's rate cut may lower variable mortgage rates below fixed rates, saving borrowers $84 monthly, but risks remain.

加拿大银行自3月以来第一次削减利率,将其关键利率降至2.5%,这可能使可变抵押贷款更具吸引力,因为五年最低可变利率从3.95%降至3.70%,略低于3.94%的固定利率。 The Bank of Canada's first rate cut since March, reducing its key rate to 2.5%, may make variable mortgages more appealing as the lowest five-year variable rate could drop to 3.70% from 3.95%, slightly below the 3.94% fixed rate. 这种转变可以平均每月节省借款人84美元。 This shift could save borrowers about $84 monthly on average. 然而,随着经济变化,可变利率有迅速上升的风险,而固定利率则具有稳定性。 However, variable rates carry risk of rising quickly with economic changes, while fixed rates offer stability. 这一举动受美国联邦储备政策的影响,可能导致固定抵押利率进一步降低,但最佳选择取决于个人风险容忍度和财政目标。 The move, influenced by U.S. Federal Reserve policy, may lead to further reductions in fixed mortgage rates, but the best choice depends on individual risk tolerance and financial goals.