央行行长：房产市场从本季度开始冷却

NO PANIC FOR THIS: WE ARE IN 0.25% NOW, IF BANK OF CANADA ADDS 0.25% EVERY 6 WEEKS, THEN WILL BE 2.50% IN APRIL 2011 (NOT LIKELY THEY WILL ADD 0.25% EVERY TIME). SO THE PRIMARY RATE FOR THE BANK WILL BE 2.25%+2.25% = 4.5%. USUALLY, YOU CAN GET MORTGAGE RATE BELOW THIS BANK PRIMARY RATE. iT MEANS YOU MAY GET 5 YEARS VARIABLE RATE @4.0%. THE BORROW COST IS STILL VERY LOW IN APRIL 2011. I WILL NOT WORRY ABOUT AFTER ONE YEAR, EVERYTHING IS POSSIBLE THAT TIME. SOMEONE (eg. BANK) IS MAKING PANIC JUST FOR THEIR OWN BENEFITS

0.25%是央行的隔夜拆借利率， 房地產使用的是最優惠基本利率，就是P， 現在應該是2.25%，這個值通常隨著央行拆借利率波動，

当年有阿强帮着算帐，大家不至于头脑发热。猪猪呀，现在就只有你是清醒的了。 这么算来，利息月月涨房价不下来的话，是不是老母猪也会上树呢？

报告还指出，如果利率上升3%，一份25万的按揭意味着每月多付$444利息 It is 3% not 0.3%

笔误。已经改正了，谢谢提醒。

0.3%应该是月利率吧。