既然加拿大银行连续第六次降低了其关键利率，加拿大人可能会发现债务付款更容易

据金融专家称，加拿大银行已经连续第六次降低了其关键利率，加拿大人可能会发现更容易支付债务。

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.

据金融专家称，加拿大银行已经连续第六次降低了其关键利率，加拿大人可能会发现更容易支付债务。

“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.

“它将为任何借钱的人赚钱 - 为一所房子，汽车，从信用额外取钱，”多伦多的个人理财专家鲁比娜·艾哈迈德·哈克（Rubina Ahmed-Haq）在接受采访时说。与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.”

“所有这些钱都将不仅借贷，而且对于那些已经拥有这种债务的人来说，这将变得更容易为他们服务。”

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.

该国中央银行周三将关键利率削减至3％，因为如果美国没有与加拿大发动贸易战，它预计在2025年将在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.

艾哈迈德·哈克（Ahmed-Haq）说，此举是值得注意的，但是如果美国对加拿大征收关税，情况可能会改变。

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

她说：“我认为这确实很重要，因为它确实表明对加拿大经济充满信心。”

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

“如果关税确实提出，它将提高加拿大人的价格。它可能会停止任何进一步的降低利率。

“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.

她补充说：“如果通货膨胀率更高，他们想做的最后一件事是降低利率，便宜赚钱，然后再增加通货膨胀。”

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.

尽管预计利率降低，但投资顾问保罗·谢勒斯托斯基（Paul Shelestowsky）表示，他认为借款人或希望借用的人“将为借款人提供很多救济”。

“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采访时说：“如果您使用可变利率贷款，甚至信用卡利率，它将继续降低抵押贷款利率，贷款利率……几乎所有加拿大人都会感觉到这一点。” .ca周三关于中央银行的决定。

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

“这将为加拿大人提供帮助，以帮助他们的现金流。”

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.

谢勒斯托夫斯基预计，加拿大人将获得更多的可支配收入，因为债务还款的成本较低，即使中央银行的降低税率对商品和服务的价格无济于事，因为预计通货膨胀稳定。

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.

谢勒斯托斯基说，加拿大人可能会立即看到信用额度的降低，而信用卡利率也可能需要一段时间才能效仿。他补充说，信用卡公司将根据许多不一定与加拿大银行利率相关的因素进行更改。

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.

他说，那些投资股票和债券的人可能会从中央银行的削减税率中受益，因为这些投资在下降的利率环境中往往会做得很好。

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，对于某些储蓄者来说，这是一个不同的故事，他们将资金投资于不风险的投资（例如保证投资证书（GIC）），因为他们会看到他们的利率下降，谢尔斯托夫斯托斯基警告说，这可能意味着赚取的潜力较小。

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.

谢勒斯托夫斯基认为，BOC削减税率不会伤害那些拥有注册退休储蓄计划（RRSP），注册退休收入基金（RRIF）或免税储蓄帐户（TFSA）的人 - 平衡的投资组合。

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

他说：“那些往往会更长的时间范围，这意味着它们具有股票和债券的平衡。”

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

他补充说，可能是可能的房主和现任房主续签抵押贷款也将感到宽慰。

“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说：“我认为这将使人们不仅可以更容易地购买抵押贷款的房子，而且还可以更新抵押贷款。”

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.

艾哈迈德·哈克（Ahmed-Haq）对加拿大人的建议？明智地考虑他们的个人理财，并考虑不可预测的因素，例如美国对加拿大商品的关税。

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

她说：“鉴于这一点，不要以此为借口来偿还更多债务。”

“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.’”

“很多人可能会想，'哦，钱再次便宜。让我为暑假借用，或进行他们一直在考虑的其他事情。”

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

艾哈迈德·哈克（Ahmed-Haq）补充说，如果您不需要这样做，“这可能是推迟的好时机。”

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.

她还建议人们可以使用房屋净值信贷额度（HELOC）借钱来巩固债务并偿还其信用卡债务，因为他们的利率较低，尤其是在降低BOC降低利率之后。

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

谢尔斯托夫斯基说，制定财务计划并与顾问交谈对于维持“财务健康”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.

他说：“因为无论出于何种原因，在您的计划的生活中，很多时候我们看到了糟糕的一年或美好的一年，这确实不应该产生太大的影响。”

With files from CTV News' Mike Le Couteur

带有CTV新闻的文件Mike Le Couteur