搞公式也没啥用，就是贷款的分摊期，常识。需要的时候，银行会延长和重签。这个话题，在加拿大这两年说的很多

Rising interest rates are leading to higher amortizations at a number of big banks, where the percentage of amortizations of 35-plus years has risen to 20% or more in some cases (22% at CIBC, for example, up from 12% last quarter).

“Almost all of our variable-rate mortgages have fixed payments during the term and are, therefore, impacted by rising rates through an extension of amortization rather than an immediate change to the monthly payment,” said Chief Risk Officer Shawn Beber. “Renewal mortgages are reverted to the original amortization schedule, which may require additional payments.”