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現在モーゲージを組む半数以上の57%の人が固定金利制を選択しているそうです

CIBCの調査によると、現在モーゲージを組む半数以上の57%の人が固定金利制を選択しているそうです。これは歴史的な低金利を反映し、消費者がこれ以上はもう金利が下がりようが無いと判断し、向こう3年から5年間の間、この低金利のアドバンテージを確定する傾向にあると言えます。因みに5年固定金利のベストは2.79%が主流で、変動金利制の場合は2.25%が一般的です。新規購入者、更新の近い方、ご参考に。

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Most Canadians would choose fixed-rate mortgage today
If they were arranging a mortgage today most Canadians would opt for a fixed-rate loan rather than risk volatility with a variable deal. That’s the finding of a survey by Nielsen for CIBC, which revealed that 57 per cent would prefer to have certainty in their repayments. A similar survey last year had 48 per cent choosing a fixed-rate while in 2011 it was just 39 per cent. “The poll results confirm what many of our clients are telling us, that they don’t expect rates to go any lower and, in today’s housing market, they want the comfort and security of knowing exactly what their mortgage payments will be for the next four or five years,” said Barry Gollom, vice president of CIBC. The poll also revealed: 30 per cent of respondents would pick a variable mortgage; 11 per cent are undecided; 44 per cent expect higher rates next year while 42 per cent expect them to stay the same. Regionally there is little difference in the percentage of respondents would opt for fixed rate. But, on how rates will change, those in Atlantic Canada, Manitoba and Saskatchewan are more likely to expect rate rises in the next 12 months. A larger proportion of younger Canadians (18 to 24 years old) believe that rates will rise.

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