既然加拿大銀行連續第六次降低了其關鍵利率，加拿大人可能會發現債務付款更容易

據金融專家稱，加拿大銀行已經連續第六次降低了其關鍵利率，加拿大人可能會發現更容易支付債務。

Canadians may find it easier to cover debt payments now that the Bank of Canada has cut its key interest rate for the sixth straight time, according to financial experts.

據金融專家稱，加拿大銀行已經連續第六次降低了其關鍵利率，加拿大人可能會發現更容易支付債務。

“It will make money cheaper for anybody that is borrowing for anything -- for a house, for a car, taking money out of a line of credit,” Rubina Ahmed-Haq, a personal finance expert based in Toronto, said in an interview with CTVNews.ca.

“它將為任何借錢的人賺錢- 為一所房子，汽車，從信用額外取錢，”多倫多的個人理財專家魯比娜·艾哈邁德·哈克（Rubina Ahmed-Haq）在接受采訪時說。與ctvnews.ca。

“All of that money is going to get cheaper to not just borrow but also for those who already have that debt, it’s going to be easier for them to service it.”

“所有這些錢都將不僅借貸，而且對於那些已經擁有這種債務的人來說，這將變得更容易為他們服務。”

The country’s central bank slashed the key rate to three per cent Wednesday as it projected stronger GDP growth in 2025 if the United States doesn’t get into a trade war with Canada.

該國中央銀行週三將關鍵利率削減至3％，因為如果美國沒有與加拿大發動貿易戰，它預計在2025年將在2025年增加GDP。

The move was notable, Ahmed-Haq said, but the situation may change if the U.S. imposes tariffs on Canada.

艾哈邁德·哈克（Ahmed-Haq）說，此舉是值得注意的，但是如果美國對加拿大徵收關稅，情況可能會改變。

“I think it’s really significant because it does show that there’s confidence in the Canadian economy,” she said.

她說：“我認為這確實很重要，因為它確實表明對加拿大經濟充滿信心。”

“If tariffs do come in, it’s going to increase prices for Canadians. It could halt any further interest rate cuts.

“如果關稅確實提出，它將提高加拿大人的價格。它可能會停止任何進一步的降低利率。

“If inflation is higher, the last thing they want to do is cut rates and make money cheaper and stoke inflation even more,” she added.

她補充說：“如果通貨膨脹率更高，他們想做的最後一件事是降低利率，便宜賺錢，然後再增加通貨膨脹。”

Although the interest rate cut was expected, Paul Shelestowsky, an investment adviser, says he thinks “it’s going to provide quite a bit of relief” to borrowers or people looking to borrow.

儘管預計利率降低，但投資顧問保羅·謝勒斯托斯基（Paul Shelestowsky）表示，他認為藉款人或希望藉用的人“將為藉款人提供很多救濟”。

“It will continue to bring down mortgage rates, loan rates, if you’re on a variable rate loan, even credit card rates ... it’s going to be felt across for pretty much all Canadians,” Shelestowsky said in an interview with CTVNews.ca on Wednesday about the central bank’s decision.

Shelestowsky在接受CTVNews採訪時說：“如果您使用可變利率貸款，甚至信用卡利率，它將繼續降低抵押貸款利率，貸款利率……幾乎所有加拿大人都會感覺到這一點。” .ca週三關於中央銀行的決定。

“It will provide that relief to Canadians to help with their cash flow.”

“這將為加拿大人提供幫助，以幫助他們的現金流。”

Shelestowsky expects Canadians will have more discretionary income since debt repayment will be less costly, even though the central bank’s rate cut won’t help much with the price of goods and services, as inflation is expected to be stable.

謝勒斯托夫斯基預計，加拿大人將獲得更多的可支配收入，因為債務還款的成本較低，即使中央銀行的降低稅率對商品和服務的價格無濟於事，因為預計通貨膨脹穩定。

Canadians may see rates decrease for lines of credit immediately, Shelestowsky says, while it may take a while for credit card rates to follow suit. He adds that credit card companies will make changes based on a number of factors that aren’t necessarily tied to the Bank of Canada rates.

謝勒斯托斯基說，加拿大人可能會立即看到信用額度的降低，而信用卡利率也可能需要一段時間才能效仿。他補充說，信用卡公司將根據許多不一定與加拿大銀行利率相關的因素進行更改。

Those who invested in stocks and bonds may benefit from the central bank’s rate cut because those investments tend to do well in a falling interest rate environment, he said.

他說，那些投資股票和債券的人可能會從中央銀行的削減稅率中受益，因為這些投資在下降的利率環境中往往會做得很好。

But it’s a different story for certain savers who put away money for non-risky investments like guaranteed investment certificates (GICs), as they will see their interest rates going down, which Shelestowsky cautions could mean less earning potential.

但是，對於某些儲蓄者來說，這是一個不同的故事，他們將資金投資於不風險的投資（例如保証投資證書（GIC）），因為他們會看到他們的利率下降，謝爾斯托夫斯托斯基警告說，這可能意味著賺取的潛力較小。

Shelestowsky doesn’t think the BoC rate cut will hurt those who have a registered retirement savings plan (RRSP), a registered retirement income fund (RRIF) or a tax-free savings account (TFSA) and may even boost savings for those with well-balanced portfolios.

謝勒斯托夫斯基認為，BOC削減稅率不會傷害那些擁有註冊退休儲蓄計劃（RRSP），註冊退休收入基金（RRIF）或免稅儲蓄帳戶（TFSA）的人 - 平衡的投資組合。

“Those tend to have a longer time horizon, meaning they’ve got a balance of stocks and bonds,” he said.

他說：“那些往往會更長的時間範圍，這意味著它們具有股票和債券的平衡。”

Would-be homeowners and current homeowners renewing their mortgages will also find relief, he added.

他補充說，可能是可能的房主和現任房主續簽抵押貸款也將感到寬慰。

“I think it’s going to really make it easier for people to not only buy a house with a mortgage, but also renew their mortgage,” Shelestowsky said.

Shelestowsky說：“我認為這將使人們不僅可以更容易地購買抵押貸款的房子，而且還可以更新抵押貸款。”

Ahmed-Haq’s advice for Canadians? Be wise about their personal finances and consider the unpredictable factors, such as possible U.S. tariffs on Canadian goods.

艾哈邁德·哈克（Ahmed-Haq）對加拿大人的建議？明智地考慮他們的個人理財，並考慮不可預測的因素，例如美國對加拿大商品的關稅。

“In light of this, don’t use this as an excuse to get into more debt,” she said.

她說：“鑑於這一點，不要以此為藉口來償還更多債務。”

“A lot of people might think, ‘Oh, money’s cheap again. Let me borrow for my summer vacation or do that renovation or something else that they they’ve been thinking about.’”

“很多人可能會想，'哦，錢再次便宜。讓我為暑假借用，或進行他們一直在考慮的其他事情。”

Ahmed-Haq adds that if you don’t need to do it, “this may be a good time to hold off.”

艾哈邁德·哈克（Ahmed-Haq）補充說，如果您不需要這樣做，“這可能是推遲的好時機。”

She also suggests that people can use home equity lines of credit (HELOC) to borrow money to consolidate debt and pay down their credit card debt, since they have lower interest rates, especially after the BoC rate cut.

她還建議人們可以使用房屋淨值信貸額度（HELOC）借錢來鞏固債務並償還其信用卡債務，因為他們的利率較低，尤其是在降低BOC降低利率之後。

Shelestowsky says having a financial plan and speaking to an adviser are important to maintain “financial health.”

謝爾斯托夫斯基說，制定財務計劃並與顧問交談對於維持“財務健康”很重要。

“Because a lot of times when we see a bad year or a good year for whatever reason it might be, over the life of your plan, it really shouldn’t have that much impact,” he said.

他說：“因為無論出於何種原因，在您的計劃的生活中，很多時候我們看到了糟糕的一年或美好的一年，這確實不應該產生太大的影響。”

With files from CTV News' Mike Le Couteur

帶有CTV新聞的文件Mike Le Couteur