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枫下家园 / 住房话题 /
tor
想请教一下关于Mortgage:如果Downpay不足25%,要拿到好一点的Rate是自己找银行谈,还是找Mortgage Broker?家庭年收入符合要求
-littlekoala(Koala);
2003-7-23
{18}
(#1300100@0)
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只要自己条件好,找银行或broker都可以。25%不到,你应该在买保险和作second mortgage 中挑一个对你而言更合算的
-wise(不通啊不通);
2003-7-23
(#1300132@0)
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谢了。请问通常情况Second Mortgage的Rate比First高多少?
-littlekoala(Koala);
2003-7-23
(#1300348@0)
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以前有人说可以借line of credit付首期
-yuanfei(yuanfei);
2003-7-23
(#1300552@0)
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是可以.但是如果你借的是non secured LOC, 每个月必须偿还不低于3%的本金加上相应的利息.
-yangn(Raymond);
2003-7-23
(#1300594@0)
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you can get a interest only credit line, so don't need to pay 3% each month. don't use second mortgage to pay the downpayment, rate is too high.
use credit line.use credit line to pay the downpayment is a good idea to save the insurance.
you can get a interest only credit line, so don't need to pay 3% each month.
don't use second mortgage to pay the downpayment, rate is too high.
use credit line.
-liuhuaiyu(harry);
2003-7-28
{247}
(#1307017@0)
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你所说的是secured LOC,那是需要用property作抵押为前提的。
-yangn(Raymond);
2003-7-28
(#1307095@0)
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I just got one, unsecured, interest only, prime + 1%, the best deal I've ever got, hehe. if the banker like to take care of you, they do have lots of flexibility.
-liuhuaiyu(harry);
2003-7-28
(#1307180@0)
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hehe. maybe u r very lucky , but the rate you got is too high. By the way, as for the non-secured LOC, I don't think you can apply for more than $50,000.
-yangn(Raymond);
2003-7-28
(#1307191@0)
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Hmm, Looks you are interested with finalcial things. good! but I will suprise you again: my unsecured LOC is more that 50k, but from different banks. and prime + 1% is VERY good for unsecured LOC. you got better rate?
-liuhuaiyu(harry);
2003-7-28
(#1307289@0)
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嘿嘿,这位朋友的口气,好像圈内人说圈外人似的. 对什么financial stuff 感兴趣,似乎无所谓好坏的. the rate I got for non secured LOC is prime minus 0.5. :) by the way , I am not suprised at all for whatever you said.
-yangn(Raymond);
2003-7-28
(#1307351@0)
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彼此彼此,谁也不可能什么都知道. 没有高你一头的意思.我也不是老鸟,正在努力,喜欢这个.
纠正你,是因为我拿到了,希望你也能受益(知道什么是可能的,就能跟银行争取).
我也想从你的经验里受益,
你的prime-0.5% 是promotion时拿到的吗?
要是正常情况下拿到的,我就跟我的银行去争取.
谢谢分享你的知识和经验!
-liuhuaiyu(harry);
2003-7-28
{240}
(#1307380@0)
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请问你这个利率是从哪个银行拿到的?大约什么情况?可以说说吗?
-xiaopang(xiaopang);
2003-7-29
(#1309348@0)
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email me, I will tell you more info of how I get the LOC.
don't want to post too much personal details on the web publicly.
-liuhuaiyu(harry);
2003-7-30
(#1309855@0)
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請問從哪家銀行得到LOC?謝謝!
-amber(琥珀);
2003-7-28
(#1307416@0)
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from scotia bank. prime+1%
CIBC also has good service for LOC. but rate is not that good. prime + 2%
-liuhuaiyu(harry);
2003-7-28
(#1307447@0)
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你在误导别人.如果非抵押的LOC都可以贷到50K,并且只需要你每月付利息,那secured LOC就没必要存在了.你既然提到你是从scotia 贷的,请你仔细看看相应的条件,本人在scotia bank的branch工作这么多年,还没听说如此好事.
-xiaoke(小珂);
2003-7-28
(#1307560@0)
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谢谢!
-amber(琥珀);
2003-7-28
(#1307666@0)