Jean-Guy Vanier, COURTIER immobilier HYPOTHÉCAIRE

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Mortgage Rates

TERM

OUR RATES

BANK RATES

6 Month

2.89

4.45

1 Year

2.75

3.20

2 Year

3.09

3.55

3 Year

3.19

3.95

4 Year

3.25

4.64

5 Year

3.39

5.44

7 Year

3.99

6.35

10 Year

3.99

6.75

6 Month Open

6.70

1 Year Open

6.25

6.30

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Taux variable ou taux fixe?

Comment choisir entre la sécurité d’un taux fixe ou l’épargne d’un taux variable? Les prêts ne sont pas tous égaux. En plus de choisir le capital, le taux d’intérêt, la période d’amortissement, les options de remboursement anticipé et un prêt ouvert ou fermé, il vous faut décider si le taux sera fixe ou variable. Les prêts à taux fixe ou à taux variable prévoient tous les deux des versements mensuels réguliers servant à couvrir les frais d’intérêt et à...

Voyez directement sur le site du ministère http://www.fin.gc.ca/n12/data/12-025_3-fra.asp#cont Dont voici un résumé: Code de conduite pour les institutions financières sous réglementation fédérale Information sur le remboursement anticipé des hypothèques But Le Code a pour objectif de s'assurer que les institutions financières sous réglementation fédérale (« prêteurs ») divulguent une information de qualité concernant les accords de crédit garantis par des hypothèques pour lesquelles des frais pour paiement...

This is the first time that Manulife Bank has focused on surveying Canadians about debt in the context of retirement planning. The survey found that half of Canadians - more women (54%) than men (46%) - would find it extremely stressful to reach retirement age with debt still outstanding.

"We are seeing more single women entering into the housing market, as income levels, changing demographics and lifestyle patterns shift purchasing habits," said Marcia Moffat, head of home equity financing, RBC. "But women are being more cautious than men, weighing cost, affordability and job security before buying a home.

Housing starts up from March

“Most of the increase was in the multiples segment. The increase in this segment is partly a reflection of the high level of pre-sales in large multi-unit projects since 2011, which is in line with job gains over the last year,” said Mathieu Laberge, Deputy Chief Economist at CMHC’s Market Analysis Centre. “Looking at single-detached homes, 67,700 such units were started across Canada in April, a rate which is consistent with that of the recent past,” added Laberge.

"Building a new life in a new country is no small feat. Newcomers are faced with a myriad of tasks and decisions to ensure their future success," said Paul Sy, director, Multicultural Markets, RBC. "Among these are important financial decisions and professional advice can be critical to overcoming obstacles and challenges in this area. That's why speaking to a financial advisor, someone who understands the challenges and can provide solutions, is integral to helping newcomers build their lives in Canada."