本文发表在 rolia.net 枫下论坛1 是不是找BROKER就一定能拿到最好的利率
No. But a good broker can save your time in shopping for a best rate.
2 PREAPPROVE是不是只能说明可贷到的最高金额，其利率是不是就是最终的利率。另外，PREAPPROVE的有效期为多长时间，如自己到多家银行做不同的PREAPPROVE会不会影响自己的CREDIT。是不是PREAPPROVE也找BROKER做较好。
No. Pre-approval is just an estimate for that specific time. If your condition changes when you sign the mortgage contract, everything can be changed. When applying for a pre-approval, the bank may not check your credit, so it won't affect your credit (of course, it is for estimate purpose only).
Each bank has different policies of effective date of the pre-approval. The fixed rate will be protected for a period of time (60 - 120 days after the date of pre-approval, or 60 - 120 days before closing date).
I'd go to a broker to get the pre-approval.
3 请问大家现在拿到的5年期的利率都是多少。
No answer from me.
4 请问哪间银行可以DOUBLE PAY，是不是贷款的最低年限就是10年。
In Canada, the amortization period is always set to 25 years (to calculate monthly payment). You can speed up by taking advantage of 15/15 or 20/20 options. If you choose an open mortgage plan, you can clear the debt any time.更多精彩文章及讨论，请光临枫下论坛 rolia.net
No. But a good broker can save your time in shopping for a best rate.
2 PREAPPROVE是不是只能说明可贷到的最高金额，其利率是不是就是最终的利率。另外，PREAPPROVE的有效期为多长时间，如自己到多家银行做不同的PREAPPROVE会不会影响自己的CREDIT。是不是PREAPPROVE也找BROKER做较好。
No. Pre-approval is just an estimate for that specific time. If your condition changes when you sign the mortgage contract, everything can be changed. When applying for a pre-approval, the bank may not check your credit, so it won't affect your credit (of course, it is for estimate purpose only).
Each bank has different policies of effective date of the pre-approval. The fixed rate will be protected for a period of time (60 - 120 days after the date of pre-approval, or 60 - 120 days before closing date).
I'd go to a broker to get the pre-approval.
3 请问大家现在拿到的5年期的利率都是多少。
No answer from me.
4 请问哪间银行可以DOUBLE PAY，是不是贷款的最低年限就是10年。
In Canada, the amortization period is always set to 25 years (to calculate monthly payment). You can speed up by taking advantage of 15/15 or 20/20 options. If you choose an open mortgage plan, you can clear the debt any time.更多精彩文章及讨论，请光临枫下论坛 rolia.net