安大略省的房主在加拿大银行削减利率后急于购买可变利率的抵押贷款,在不确定的情况下设法储蓄。 Ontario homeowners rush to variable-rate mortgages after Bank of Canada’s rate cut, seeking savings amid uncertainty.

加拿大银行自3月以来第一次削减利率,导致安大略省房主对可变利率抵押贷款的利息上涨了30%,因为借款人希望如果进一步削减,可以节省付款。 The Bank of Canada’s first rate cut since March has sparked a 30% surge in Ontario homeowners’ interest in variable-rate mortgages, as borrowers hope to save on payments if further cuts follow. 虽然可变利率在利率下降时可以降低付款,但如果利率上升,则有风险,不同于提供稳定、可预测付款的固定利率。 While variable rates can lower payments when rates fall, they carry risk if rates rise, unlike fixed rates that offer stable, predictable payments. 现行利率显示固定的(4.62%)和可变的(4.23%)五年抵押贷款之间差距缩小了约半个百分点,只有在多次削减的情况下才可能节省。 Current rates show a narrow gap—about half a percentage point—between fixed (4.62%) and variable (4.23%) five-year mortgages, with savings only likely if multiple cuts occur. 专家告诫说,可变利率仍然是一场金融赌博,并建议房主评估其风险容忍度,并在转换前征求按揭专业人员的意见,特别是10月29日即将作出下一个利率决定的情况下。 Experts caution that variable rates remain a financial gamble and advise homeowners to assess their risk tolerance and consult mortgage professionals before switching, especially with the next rate decision pending on October 29.