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제목최근 금리인상이 미치는 영향2017-09-07 05:01:57
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How the latest interest rate hike could affect your finances

최근 금리 인상이 여러분의 재무에는 어떠한 영향을 주는지 알아봅시다.


Mortgages, lines of credit, credit cards and even student loans may need your attention


이번 이자율 인상이 모기지, Line of Credit, 신용카드 그리고 학생 대출에 어떤 영향을 주는지 알아봅시다.


Canadian consumers can expect to see the impact of the latest move by the Bank of Canada to nudge up interest rates again in several areas of the finances.


캐나다 소비자들은 캐나다 중앙은행이 재정의 여러 분야에서 다시 이자율을 밀어 올리려고 하는 최근 움직임의 영향을 예상할 수 있습니다.


"It's going to raise borrowing costs a little bit for everyone," Eric Lascelles, chief economist at RBC Global Asset Management, told CBC News Network.

 


Here's where and how consumers could feel the hike:


1. Mortgages


Consumers with variable-rate mortgages, also known as adjustable-rate mortgages, could feel the increase in the overnight rate very quickly if financial institutions begin pushing up their lending rates.


Canadians with a fixed-rate mortgage won't have to grapple with the impact until it's time to renew at the end of their fixed term. Even then, they could wind up saving money if their renewal rate is lower than when they initially got their loan.


"Anyone who currently has a variable rate mortgage should consider if now is a good time to lock into a fixed-rate mortgage," said James Laird, co-founder Ratehub.ca and president of CanWise Financial mortgage brokerage.


Laird also said anyone currently looking for a home should get a pre-approval that guarantees today's fixed rates for 120 days.


변동금리 모기지를 가지고 있는 사람은 기준 금리의 인상에 따라 영향을 받을 것이고


고정금리 모기지 이용자는 모기지 계약 기간이 끝날때까지는 영향이 없으며, 현재 변동금리 모기지를 가진 사람은 고정금리로 갈아


타는 것을 고려해 볼 시기이다.


 

2. Lines of credit/Home equity lines


In a report issued Sept. 1, RBC economist Laura Cooper said Canadian households added $10 billion to $12 billion to their consumer credit balances in each of the past four quarters.


 "Borrowing from banks accounted for the bulk of the rise led by personal lines of credit, notably home equity lines of credit," she said, adding that this component made up more than half the rise in the second quarter of 2017, its greatest contribution since 2011.


Against that growth in consumer credit, economists say Canadians will feel the biggest impact, after their variable-rate mortgages, in their lines of credit, which are tied to the prime rates charged by banks.


은행에서 차입은  개인 신용 한도 (Line of Credit), 특히 주택 담보 대출 Line of Credit 이 상승세를 주도했습니다.


경제학자들은 변동금리의 Line of Credit 을 가진 소비자들이 가장 큰 영향을 받을거라고 이야기했다.


 


3. Credit cards


 The bulk of credit card interest is charged at a fixed rate, although some cards do carry a variable rate. So, it can be worth checking the rate on any cards you use.


However, if you begin to miss payments on your card debt, some cards will begin charging a higher interest rate on your outstanding balance.


일부 신용카드는 변동 이자율을 적용하지만 대부분의 신용카드는 고정금리 이자율을 적용하고 있으며 지금 사용하고 있는 카드 이

 

자율을 확인할 필요가 있다.  카드 상환일자를 놓지면 나머지 잔액에 대해서는 더 높은 이자율을 적용한다.

 


4. Student loans


 

Student loan interest rates can be either fixed or variable. As with mortgages, somebody repaying a variable-rate student loan could see an immediate hit from the latest Bank of Canada hike, while those on fixed rates won't see the bump until it is time for renewal.


학생 대출 이자율은 변동과 고정 이자율중 하나를 적용할 수 있으며 모기지와 마찬가지로 변동금리는 바로 영향을 받고 고정금리 대출은 만기까지는 영향을 받지 않는다.


The road ahead


Cooper pointed out in her report on credit growth that the country's heavy borrowing is likely to subside as support for monetary tightening increases.


"A notable shift in major housing markets alongside elevated household indebtedness and tighter financial conditions are likely to dampen credit growth and eventually temper consumer spending growth," Cooper said in the report.


"We anticipate that households on the whole will be able to absorb rising costs given an expected gradual pace of policy tightening and ongoing hiring gains. But as is the case with all goods things — the borrowing binge is likely coming to an end," she said.


로라 쿠퍼는 통화 긴축에 대한 지지가 높아지면서 무리한 차입이 줄어들 가능성이 있다고 봤다.
쿠퍼는 보고서에서 "증가한 가계 부채와 재무상태의 악화와 함께 주요 주택시장에서의 주목할 만한 변화가 신용 성장을 저해하고  궁극적으로 소비자 지출 성장을 둔화시킬 것"이라고 밝혔다.


 


CBC News Posted: Sep 06, 2017 12:22 PM ET