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枫下家园 / 住房话题 / 这个mortgage 计划怎么样?1.75%头3个月,1% cahs back,then prime rate -0.375.可以随时转固定3,5,或7年(利率是在转的时候决定,broker说有把握做到4.1左右-5年的)
-wymond(歪门);
2004-3-15
(#1645987@0)
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Is this from BMO?
-easywork(Going Forward...);
2004-3-15
(#1646025@0)
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Is it possible to share the broker's name/phone? Thanks.
-woodgreen(woodgreen);
2004-3-15
(#1646178@0)
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would you tell me broker's name and phone number.please
-sherry03118(cher);
2004-3-15
(#1646188@0)
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It was dulinjason(dlja) introduced me to this broker, pls ask him.His post is also in this page.
-wymond(歪门);
2004-3-16
(#1646780@0)
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当你从浮动转固定的时候银行会告诉你利息是他们post在网上的利息,也许再减上1%什么的,绝对拿不到4.1, 而且broker在哪个时候已经什么都不是了我就是用的BMO的这个package,也问过转固定的问题。btw, 我觉得浮动很好
-zxcvb(朝天椒);
2004-3-16
{66}
(#1646913@0)
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That is what I am thinking. I don't know if the broker can really guarantee 4.1% 5-year fixed when 当你从浮动转固定的.
-sunsun6(sunsun6);
2004-3-16
(#1646951@0)
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转的时候是你和银行之间的关系,不是和broker的。而且当你要转固定的时候,连银行的人也是一副无趣的样子,不知道是不是和佣金有关
-zxcvb(朝天椒);
2004-3-16
(#1647026@0)
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那如果我现在就选择broker4.1的5年固定,还是比在银行拿到的利率好很多,是么?
-wymond(歪门);
2004-3-16
(#1647018@0)
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各人想法不一样,这个package的优势第一是cash back,1%的cash back等於你少贷1%的款第二是头3月的低利息,可以让你有多一些的钱早点进到本金里面去。
你可以去计算一下,和几个自己觉得不错的deal比较,看谁家更适合你
-zxcvb(朝天椒);
2004-3-16
{125}
(#1647033@0)
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拿了cashback和头3个月低息,浮动利率就高0。375%。粗略算,大约4-5年我就把cashback和头3个月低息省下的吐还出去了。
-wymond(歪门);
2004-3-16
(#1647074@0)
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But this package is for 3 years, not 4-5 years. If you can save some money during 3-year term, then go for it.
-sunsun6(sunsun6);
2004-3-16
(#1647169@0)
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btw,如果你现在从浮动转固定,bmo给你多少呢?
-wymond(歪门);
2004-3-16
(#1647020@0)
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5.8-1=4.8, 也许可以再低点,但肯定到不了4.1. 有一点在那家银行都一样,就是拉你进门是最重要的,你如果已经进来了,看看那合同,怕你跑吗?
-zxcvb(朝天椒);
2004-3-16
(#1647043@0)
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确实如你说的,我刚才跟他确认了。我选了这个计划,一年内转固定是只能拿post-1的固定利率。而他给我的email里明明有这句 “you may convert to fix any time by broker rate(commitment will show)”。他“承诺”1到2年内会抓到post5.1,而后给我锁在4.1/5年。
nnd!我对这个broker的印象大大的坏了。
-wymond(歪门);
2004-3-16
{93}
(#1647066@0)
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I think what he meant is the prime rate is going down again, so you'll have the chance to get 4.1% for 5-year fixed if you want to 从浮动转固定的.
-sunsun6(sunsun6);
2004-3-16
(#1647285@0)
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if 1 or 2 years later, the post 5y rate is 5.1% then variable rate will be even lower. Is prime-0.75 now better for this case?
-easywork(Going Forward...);
2004-3-16
(#1647292@0)
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While, that (prime -0.75%) is the best rate I have found so far. CIBC told me there was a rumor that prime rate would be down again soon. It's all up to you to believe the prediction and your willingness to take the risk.
-sunsun6(sunsun6);
2004-3-16
(#1647306@0)
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虽然不是最好的方案,但也很不错。不要管什么浮动转固定的条件,你用不着。银行总希望多赚钱,所以希望你随时转成固定,你不用理他。
-rollor(Rollor);
2004-3-16
(#1647157@0)
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你们的这个计划也是1% 的cash back 分摊在5 年,也就是说如果第一年离开这家银行,只能拿0.02%..是吗?
-stone2001(stone);
2004-3-16
(#1647497@0)
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You will get cash back at the very beginning, but you will have to stay with the same bank for 3 years, that is the term.
-gladhill(gladhill);
2004-3-16
(#1647675@0)
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broker告诉我,1% cash back实际分摊在5年, 每年0.2%, 虽然是先给了, 但如果不呆满五年退出, 这钱按每年0.2%要还回去.
-stone2001(stone);
2004-3-17
(#1649370@0)
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谢谢sunsun6(sunsun6),rollor(Rollor),zxcvb(朝天椒)...你们的意见。
我想:
-wymond(歪门);
2004-3-17
{2246}
(#1648681@0)
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经济这东西,连老潘都拿不准,别说我们非专业的了,赌吧。
-feishazounai(咸鱼·饼子);
2004-3-17
(#1649369@0)
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5年固定4.1%到有没有阿? 哪家银行? THANKS.
-easywork(Going Forward...);
2004-3-18
(#1650117@0)