Prime Rate是由央行定的，只要一有变动，加拿大所有的银行都会随之改变。不会有A银行的prime rate是4.25%，B银行的是4.5%这种情况出现。所以BMO和TD，RBC应该都是一样的，同一天行动。
BMO的烂账的确很少，这不得不归功于我们严谨的贷款标准和程序。举个例子，每家银行都有自己的一套贷款评估准则。有些银行是仅以客人的Beacon Score（你的credit bureau report上的分数）为标准的。只要这个客人的分数达到了他们的标准，就批；反之，则不批。这种标准常常会造成很多银行一方面招入很多坏账，另一方面又将很多合资格的申请人拒之门外。BMO的贷款评估标准和程序更较为全面详细。我们要看申请人的character，credit，capital，capacity和collateral。所以我们不仅能尽最大可能的给合资格申请人批出贷款，而且能非常有效的控制减少坏账。
-----------------------------------------------
银行账户信息，定存投资，个人贷款，房屋贷款。如果你想得到更多的咨询或更快的回复，可以给我来电或email:
Lina Feng 冯莉娜
Financial Services Manager
Bank of Montreal Safeway Instore
1950 Foul Bay Road
Victoria, BC, V8R5A7
Tel:（250）405-5339 lina.feng@bmo.com作者: 麻辣烫 时间: 2008-10-10 21:17
中央银行定的是 target for the overnight rate ,中文叫隔夜拆借的目标利率吧？,这才是央行定的.但这不是prime rate.
请看一下这段英文报导:Bank of Canada lowers overnight rate target by 1/2 percentage point to 2 1/2 per cent
The Bank of Canada today announced that it is lowering its target for the overnight rate by 1/2 percentage point to 2 1/2 per cent. The operating band for the overnight rate is correspondingly lowered, and the Bank Rate is now 2 3/4 per cent.
1。1-Year GIC，Cashable after 30 days, at 3% as of Oct 11。Rates subject to change. Minimum purchase:$5000.
2。2-Year GIC, non-cashable, at 4.25%。This offer will end on Oct 31,2008。Minimum purchase: $1000.
3。USD Term Deposit, 180 - 269days，posted rate at 2.25% as of Oct 11，but you can get a VERY GOOD rate from Lina。If you ask me how good?....hehe, call me and I will tell you 。Rates subject to change. Minimum purchase: $1000.
。Rates subject to change. Minimum purchase: $1000.