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This image is showing how you are going to have to start spending more money on houses

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Economic Indicators That Affect Mortgage rates. Website #3

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Economic Indicators That Affect Mortgage rates. Website #3

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https://www.ratesupermarket.ca/blog/understanding-the-top-economic-indicators-that-affect-mortgage-rates/
This is my favourite out of all of my videos, photos, and websites because of the depth of the website. This article points out some very important factors, including a big one that a lot of people forget about- the US economy. A key point they point out is in 2008 when the housing market crashed in the US our rates were 5.35%, just 9 months later they were 3.75%. This just shows how important the US' economy is to Canada.

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I really enjoy this photo because it shows mortgage rates on January 1st from 1971 to 2014. It is really cool to see how high they used to be.

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This is a very interesting image because it shows what looks to be a younger man looking down a road that says interest rates with the end of the road going upwards.

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https://www.youtube.com/watch?v=arkPpfCVFRw
This is a video discussing how inflation impacts mortgage rates. This video is done by the same lady as the previous video, which tells me that she is very experienced when it comes to mortgage rates and inflation. She explains how a lot of bankers undermine inflation as a factor, but she points out that really it does impact mortgage rates a lot.

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What causes Mortgage Rates to Change? #2

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What causes Mortgage Rates to Change? #2

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https://www.youtube.com/watch?v=zPuB5yp2Kww
This is a really good video about what causes mortgage rates to change. This lady appears to be a banker or financial advisor and she offers so good advice. This video is similar to the first video I posted because like the first video it goes over the many factors that are accounted for when adjusting mortgage rates. I do like this video more just because there is a bit more depth than the first video.r

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How Do Banks Determine Mortgage Rates? Video #1

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How Do Banks Determine Mortgage Rates? Video #1

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https://www.youtube.com/watch?v=uePygpiff2c
This is a very interesting video going over some key factors to mortgage rates and how they affect mortgage rates. It points out about key factors like Government bonds and capital markets and how they affect fixed mortgage rates. It really is amazing how many factors there are when banks are determining mortgage rates. They always want to have a safe number for them but they also want an attractive number for their customers.

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How to Understand What Affects Mortgage Rates. Website #2

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How to Understand What Affects Mortgage Rates. Website #2

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http://homeguides.sfgate.com/understand-affects-mortgage-rates-8840.html
This is a really interesting topic because it shows the many factors that affect mortgage rates. This article looks at factors such as; Inflation, Economic Growth, Monetary Police, 10 Year Treasury Yield, and the Housing Market. Obviously, some factors have a bigger weight to how mortgage rates react to change, but this article really helps you understand factors in mortgage rates. I really enjoyed reading this article and would recommend reading it if you are interested in the topic.

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https://www.credit.org/2013/09/01/what-is-consumer-credit-and-does-it-matter-to-me/
This article discusses how your mortgage rates will adjust due to the economy and exactly how they adjust. An example would be: Stock market is doing well-Bond prices decrease-Bond yields increase-Fixed rates increase. I enjoyed this article because it really simplifies how the economy has such a large impact on our daily lives, and the biggest of our lives which is our homes. It is a really easy topic to follow if you don't have knowledge on the situation.