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That is in the US. However I am sure Canada will most likely follow their footstep.
If they hike the rate by 0.25% every time prime will most likely be over 2%.
I saw somewhere 1.99% is the most aggressive variable rate offer.
In my opinion you will be better off to lock in fixed at 3.25-3.99.
I was scared but am kind of in shock of what just happened.
My 30 day rate lock expired yesterday. I'm picking up my car on Saturday the 19th so was subject to new rates.
I originally got 3.67% RBC/96mo
Emailed them asking for a better rate, they gave me 3.65%
My lock expired yesterday, just got a email from tesla to approve my new rate and i got 3.25% RBC/96mo.
Just got approved for 3.99% How does one email or contact the lenders to negotiate? Do I have to confirm the loan in order to get a better rate last minute? Or do I leave it as is in approved state?