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@Ontario

HSBC charge the most. After you pay off the mortgage, they charge a mortgage discharge fee of $225. If you transfer to another bank, it's worse, they charge this $225, plus additional $95

apuma(apuma)
本文发表在 rolia.net 枫下论坛"processing fee"! (This happened to a friend this month. Isn't that $225 processing fee?).
For martgage discharge, CIBC charge $90, RBC charge $85. In addition to charge more, the service at HSBC is terrible. Last year when I need to renew my mortgage at the end of Feb, after leaving many phone msgs, and faxes, you got back to me after a week. I guess it's because I bought my RRSP there a few months back, so they don't care. This year, I didn't buy RRSP and sure enough, they called me early Feb to "remind" me of the mortgage renew issue when what they really want to do is selling you RRSP product. Too bad, I don't need any of their service any more and, when the time is right, I'll transfer all my RRSP out.
Remember, when I sign my mortgage with them, the discharge fee is
$90 at the time. The contract just said it's $90 at the moment; they can change. It's a stupid mistake to change a fee and apply it to an existing customer. I paid that $225; they lost at least 15,000 of RRSP selling (which I'm sure can generate more than $225 for them a year) and, I'll withdraw all the money already there; much more loss for them.
Of course, I know HSBC is interested in the HK rich people only.更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#2180369@0)
Last Updated: 2005-3-15
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Replies, comments and Discussions:

  • 枫下家园 / 住房话题 /
    tor
    Toronto Area
    各位申请贷款的地主，你们有没有问将来RENEW的时候有没有费用？另外，有没有问转走的时候有没有费用？据我知道，HSBC有费用，RENEW的费用可免，其他的不行。听说是每家银行都收的，大家都是不是这样啊？ -cpu533(new pc); 2005-3-15 (#2180310@0)
    • 都是有费用的，都是negotiable的。转走的话，新的贷款行一般会帮你付费用 -happy30s(goodluck); 2005-3-15 (#2180330@0)
    • HSBC charge the most. After you pay off the mortgage, they charge a mortgage discharge fee of $225. If you transfer to another bank, it's worse, they charge this $225, plus additional $95 -apuma(apuma); 2005-3-15 {1220} (#2180369@0)
      本文发表在 rolia.net 枫下论坛"processing fee"! (This happened to a friend this month. Isn't that $225 processing fee?).
      For martgage discharge, CIBC charge $90, RBC charge $85. In addition to charge more, the service at HSBC is terrible. Last year when I need to renew my mortgage at the end of Feb, after leaving many phone msgs, and faxes, you got back to me after a week. I guess it's because I bought my RRSP there a few months back, so they don't care. This year, I didn't buy RRSP and sure enough, they called me early Feb to "remind" me of the mortgage renew issue when what they really want to do is selling you RRSP product. Too bad, I don't need any of their service any more and, when the time is right, I'll transfer all my RRSP out.
      Remember, when I sign my mortgage with them, the discharge fee is
      $90 at the time. The contract just said it's $90 at the moment; they can change. It's a stupid mistake to change a fee and apply it to an existing customer. I paid that $225; they lost at least 15,000 of RRSP selling (which I'm sure can generate more than $225 for them a year) and, I'll withdraw all the money already there; much more loss for them.
      Of course, I know HSBC is interested in the HK rich people only.更多精彩文章及讨论，请光临枫下论坛 rolia.net
      • you can negotiate the discharge fee when you apply mortgage. My branch manager removed that item from my contract -happy30s(goodluck); 2005-3-15 (#2180395@0)

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