房贷

比较加拿大银行、信用合作社及贷款机构的固定和浮动房贷利率、期限及条款。

机构产品期限利率
Meridian Credit UnionMeridian Credit Union 5-Year Variable Mortgage5-year variable3.44%
CanwiseCanwise 5-Year Variable Mortgage5-year variable3.6%
Equitable BankEquitable Bank 5-Year Variable Mortgage5-year variable3.6%
丰业银行Scotiabank 5-Year Variable Mortgage5-year variable3.65%
Alterna SavingsAlterna Savings 5-Year Variable Mortgage5-year variable3.7%
CMLS FinancialCMLS Financial 5-Year Variable Mortgage5-year variable3.7%
First NationalFirst National 5-Year Variable Mortgage5-year variable3.7%
道明银行TD Bank 5-Year Variable Mortgage5-year variable3.84%
加拿大皇家银行RBC Royal Bank 5-Year Variable Mortgage5-year variable3.85%
MCAPMCAP 5-Year Variable Mortgage5-year variable3.9%
TangerineTangerine 5-Year Variable Mortgage5-year variable3.9%
加拿大帝国商业银行CIBC 5-Year Variable Mortgage5-year variable3.95%
加拿大帝国商业银行CIBC 3-Year Variable Mortgage3-year variable4.05%
Simplii FinancialSimplii Financial ™ 5-Year Variable Mortgage5-year variable4.1%
蒙特利尔银行Bank of Montreal 5-Year Variable Mortgage5-year variable4.1%
加拿大国家银行National Bank of Canada 5-Year Variable Mortgage5-year variable4.1%
Alterna SavingsAlterna Savings 3-Year Variable Mortgage3-year variable4.25%
丰业银行Scotiabank 2-Year Fixed Mortgage2-year fixed4.29%
丰业银行Scotiabank 3-Year Fixed Mortgage3-year fixed4.39%
MCAPMCAP 3-Year Fixed Mortgage3-year fixed4.44%
ICICI Bank CanadaICICI Bank Canada 5-Year Variable Mortgage5-year variable4.45%
CanwiseCanwise 2-Year Fixed Mortgage2-year fixed4.49%
Meridian Credit UnionMeridian Credit Union 3-Year Fixed Mortgage3-year fixed4.49%
CMLS FinancialCMLS Financial 5-Year Fixed Mortgage5-year fixed4.49%
ICICI Bank CanadaICICI Bank Canada 3-Year Variable Mortgage3-year variable4.5%
丰业银行Scotiabank 4-Year Fixed Mortgage4-year fixed4.54%
Alterna SavingsAlterna Savings 3-Year Fixed Mortgage3-year fixed4.59%
Meridian Credit UnionMeridian Credit Union 5-Year Fixed Mortgage5-year fixed4.59%
丰业银行Scotiabank 5-Year Fixed Mortgage5-year fixed4.59%
丰业银行Scotiabank 1-Year Fixed Mortgage1-year fixed4.64%
TangerineTangerine 3-Year Fixed Mortgage3-year fixed4.64%
加拿大帝国商业银行CIBC 2-Year Fixed Mortgage2-year fixed4.69%
MCAPMCAP 2-Year Fixed Mortgage2-year fixed4.69%
Simplii FinancialSimplii Financial ™ 2-Year Fixed Mortgage2-year fixed4.69%
Alterna SavingsAlterna Savings 5-Year Fixed Mortgage5-year fixed4.69%
加拿大国家银行National Bank of Canada 5-Year Fixed Mortgage5-year fixed4.69%
蒙特利尔银行Bank of Montreal 3-Year Fixed Mortgage3-year fixed4.74%
MCAPMCAP 5-Year Fixed Mortgage5-year fixed4.74%
加拿大帝国商业银行CIBC 5-Year Fixed Mortgage5-year fixed4.79%
TangerineTangerine 5-Year Fixed Mortgage5-year fixed4.84%
蒙特利尔银行Bank of Montreal 5-Year Fixed Mortgage5-year fixed4.84%
加拿大皇家银行RBC Royal Bank 5-Year Fixed Mortgage5-year fixed4.84%
蒙特利尔银行Bank of Montreal 2-Year Fixed Mortgage2-year fixed4.89%
CanwiseCanwise 3-Year Fixed Mortgage3-year fixed4.89%
Equitable BankEquitable Bank 5-Year Fixed Mortgage5-year fixed4.89%
CanwiseCanwise 5-Year Fixed Mortgage5-year fixed4.89%
加拿大帝国商业银行CIBC 1-Year Fixed Mortgage1-year fixed4.94%
加拿大国家银行National Bank of Canada 3-Year Fixed Mortgage3-year fixed4.94%
加拿大帝国商业银行CIBC 3-Year Fixed Mortgage3-year fixed4.94%
Simplii FinancialSimplii Financial ™ 3-Year Fixed Mortgage3-year fixed4.94%
道明银行TD Bank 5-Year Fixed Mortgage5-year fixed4.94%
Simplii FinancialSimplii Financial ™ 1-Year Fixed Mortgage1-year fixed4.99%
加拿大国家银行National Bank of Canada 2-Year Fixed Mortgage2-year fixed4.99%
加拿大皇家银行RBC Royal Bank 3-Year Fixed Mortgage3-year fixed4.99%
First NationalFirst National 5-Year Fixed Mortgage5-year fixed4.99%
道明银行TD Bank 2-Year Fixed Mortgage2-year fixed5.09%
道明银行TD Bank 3-Year Fixed Mortgage3-year fixed5.09%
加拿大皇家银行RBC Royal Bank 1-Year Fixed Mortgage1-year fixed5.14%
加拿大皇家银行RBC Royal Bank 2-Year Fixed Mortgage2-year fixed5.14%
TangerineTangerine 2-Year Fixed Mortgage2-year fixed5.14%

利率及资料截至 2026-10-06

固定利率还是浮动利率房贷,怎么选?
选择固定利率还是浮动利率,是加拿大购房者面临的最大决定之一。本文讲清两种房贷利率的运作机制、风险与优势,帮你结合预算和风险偏好做出选择。
个人信用评分如何影响房贷利率
申请房贷时,征信评分是贷款机构最先查看的信息之一。本文讲清在加拿大多少分才算好评分、评分如何影响你能拿到的利率,以及申请前如何有效提升。
房贷预审批是什么?怎么办理?
房贷预审批能让你摸清自己的购买力,也让卖家知道你是认真买家。本文讲清预审批的流程、所需材料,以及要避开的常见坑。
你到底能供得起多少房贷?
贷款机构只会告诉你能批的最高额度。搞懂加拿大房贷供款能力到底怎么算,以及如何定出一个不会让你后悔的预算。
首次买房?别忘了交割费用
首付并不是买房唯一的现金支出。加拿大的交割费用通常为房价的1.5%至4%。本文逐项列出你在交割日需要预算的每一笔开支。