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枫下家园 / 住房话题 /
tor
今年谈过mortgage的朋友请进.我今年二月开始拿到两家银行的18 month pre-approvement (银行承诺从这时侯起直到18个月之间如果市场利率变化, 享受在此期间的最好利率) , 今年市场确实变化较大, 我的fix rate for 5 years 从一开始的5.45% 降到三个月前的4.7%, 感觉挺满意的. 我下个星期准备与其中一家签订agreement, 但是不知道他们还有没有余地可以谈判, 那位在此期间拿到更好的利率吗(5 years fix rate)?
thanks,
-whatwhenwherewhy(一生何求);
2003-12-1
{360}
(#1493172@0)
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Not bad. Yesterday, I went to a bank, they gave me 5.14% 4-year fixed
-wanttobuyahouse(reallywanttobuyahous);
2003-12-1
(#1493270@0)
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did you ask for 18 month pre-approvement? or it's the current rate you can get?
-whatwhenwherewhy(一生何求);
2003-12-1
(#1493280@0)
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You must buy a new house. I bought a resale. The bank typically locks the rate for 90 days, or at most 120 days.
-wanttobuyahouse(reallywanttobuyahous);
2003-12-1
(#1493426@0)
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you're right, thanks a lot for your info.
-whatwhenwherewhy(一生何求);
2003-12-1
(#1493563@0)
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4.9% 4-year fixedIf you want 4-year fixed rate, the lowest rate I can get is 4.9%
If you are interest in it ,please give me a call at 416-8802598
-miniwawa(miniwawa);
2003-12-3
{129}
(#1496082@0)
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我是cash back 那种,4.125%,6年半浮动。
-xuyca(Eric);
2003-12-1
(#1493315@0)
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挺起来很不错, 能说说"半浮动"是如何运作的吗?
-whatwhenwherewhy(一生何求);
2003-12-1
(#1493559@0)
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$1000现金返还。4.125%利率。可随时固定。头3个月2.25%利率。
-xuyca(Eric);
2003-12-2
(#1495400@0)
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再问: 举个例子说, 如果你现在选择固定, rate是多少? TD今天网上公布的六年fix-rate是6.8%, 即使1%discount到5.8% 也是很高的了. 利率如果真的上涨(大家都不希望), 你到时候可能无法下决心固定了.
-whatwhenwherewhy(一生何求);
2003-12-2
(#1495456@0)
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我个人认为如果利率不是大涨,浮动还是比固定便宜。按目前经济形势看,大涨的可能性不大。
-xuyca(Eric);
2003-12-3
(#1495796@0)
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Waiting... Thanks.
-light-up(猫语);
2003-12-2
(#1493948@0)
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我正在买新房,在找MORTGAGE。请问你是哪一家银行?
-bonmot(HamiltonTaurus);
2003-12-1
(#1493595@0)
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TD 提供18 个月的 pre-approve
-whatwhenwherewhy(一生何求);
2003-12-1
(#1493705@0)