按揭

比較加拿大銀行、信用合作社及貸款機構的定息及浮息按揭利率、年期及條款。

機構產品年期利率
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%
豐業銀行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%
道明銀行TD Bank 5-Year Variable Mortgage5-year variable3.84%
加拿大皇家銀行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%
加拿大帝國商業銀行CIBC 5-Year Variable Mortgage5-year variable3.95%
加拿大帝國商業銀行CIBC 3-Year Variable Mortgage3-year variable4.05%
Simplii FinancialSimplii Financial ™ 5-Year Variable Mortgage5-year variable4.1%
滿地可銀行Bank of Montreal 5-Year Variable Mortgage5-year variable4.1%
加拿大國家銀行National Bank of Canada 5-Year Variable Mortgage5-year variable4.1%
Alterna SavingsAlterna Savings 3-Year Variable Mortgage3-year variable4.25%
豐業銀行Scotiabank 2-Year Fixed Mortgage2-year fixed4.29%
豐業銀行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%
豐業銀行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%
豐業銀行Scotiabank 5-Year Fixed Mortgage5-year fixed4.59%
豐業銀行Scotiabank 1-Year Fixed Mortgage1-year fixed4.64%
TangerineTangerine 3-Year Fixed Mortgage3-year fixed4.64%
加拿大帝國商業銀行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%
加拿大國家銀行National Bank of Canada 5-Year Fixed Mortgage5-year fixed4.69%
滿地可銀行Bank of Montreal 3-Year Fixed Mortgage3-year fixed4.74%
MCAPMCAP 5-Year Fixed Mortgage5-year fixed4.74%
加拿大帝國商業銀行CIBC 5-Year Fixed Mortgage5-year fixed4.79%
TangerineTangerine 5-Year Fixed Mortgage5-year fixed4.84%
滿地可銀行Bank of Montreal 5-Year Fixed Mortgage5-year fixed4.84%
加拿大皇家銀行RBC Royal Bank 5-Year Fixed Mortgage5-year fixed4.84%
滿地可銀行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%
加拿大帝國商業銀行CIBC 1-Year Fixed Mortgage1-year fixed4.94%
加拿大國家銀行National Bank of Canada 3-Year Fixed Mortgage3-year fixed4.94%
加拿大帝國商業銀行CIBC 3-Year Fixed Mortgage3-year fixed4.94%
Simplii FinancialSimplii Financial ™ 3-Year Fixed Mortgage3-year fixed4.94%
道明銀行TD Bank 5-Year Fixed Mortgage5-year fixed4.94%
Simplii FinancialSimplii Financial ™ 1-Year Fixed Mortgage1-year fixed4.99%
加拿大國家銀行National Bank of Canada 2-Year Fixed Mortgage2-year fixed4.99%
加拿大皇家銀行RBC Royal Bank 3-Year Fixed Mortgage3-year fixed4.99%
First NationalFirst National 5-Year Fixed Mortgage5-year fixed4.99%
道明銀行TD Bank 2-Year Fixed Mortgage2-year fixed5.09%
道明銀行TD Bank 3-Year Fixed Mortgage3-year fixed5.09%
加拿大皇家銀行RBC Royal Bank 1-Year Fixed Mortgage1-year fixed5.14%
加拿大皇家銀行RBC Royal Bank 2-Year Fixed Mortgage2-year fixed5.14%
TangerineTangerine 2-Year Fixed Mortgage2-year fixed5.14%

利率及資料截至 2026-10-06

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申請按揭時,信貸評級是貸款機構最先查核的項目之一。本文講解加拿大幾多分才算好評級、評級如何影響你獲得的利率,以及申請前如何提升評級。
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按揭預批可以讓你清楚自己的負擔能力,並向賣方證明你是認真的買家。本文講解預批流程、所需文件,以及要避開的常見陷阱。
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首期並非置業唯一的現金開支。加拿大的成交費用一般為樓價的1.5%至4%。本文逐項列出你在成交日要預留的每一筆開支。