canadiancapitalist.com: 2010 Year-end Financial Deadlines

Plusieurs bon conseils concernant la fin de l’annee et les implications fiscales, dont le “TFSA December Shuffle” qui pourrait vous eviter des frais de transfert dans le cas ou vous voudriez changer d’institution.

Via: Mortgage Rate History: Canadian Prime Rate | Fixed Rate Mortgage | Variable Rate Mortgages

Notable Canadian Interest Rate Observations for the Last 10 Years

Average Prime Rate in Canada: 4.52%
Highest Prime Rate observed: 7.5% on Wednesday, December 13th 2000.
Lowest Prime Rate observed: 2.25% on Wednesday, April 22nd 2009.

Average 1-Year Fixed Mortgage Rate in Canada: 5.36%
Highest 1-Year Rate observed: 7.7% on Wednesday, December 13th 2000.
Lowest 1-Year Rate observed: 3.20% on Wednesday, October 20th 2010.

Average 3-Year Fixed Mortgage Rate in Canada: 5.98%
Highest 3-Year Rate observed: 7.8% on Wednesday, December 13th 2000.
Lowest 3-Year Rate observed: 4.00% on Wednesday, October 20th 2010.

Average 5-Year Fixed Mortgage Rate in Canada: 6.53%
Highest 5-Year Rate observed: 7.95% on Wednesday, December 13th 2000.
Lowest 5-Year Rate observed: 5.19% on Wednesday, November 17th 2010.

Toujours interessant d’avoir des chiffres pour confirmer ce que l’on sait deja. Ca permet de convaincre plus facilement ceux qui sont septiques. Bien que ce ne soit que pour une periode limitee a 2000-2010, et bien qu’il est parfois necessaire de se prevenir de hausses brutales a court terme, il est en general preferable d’avoir un taux variable pour son hypotheque.