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枫下家园 / 住房话题 / 请大伙帮着看一看这个利率如何?想买房了,到银行问了一下贷款的事,结果如下:
1. 可贷到 26 万;
2. 25 年还清;
3. 应该是 Variable Rate Mortgage, 5-year term
4. 利率 3.4%
5. 每月大约要还 $1300。但可以 double payment,另外还可以每一年有一次 prepayment 不超过 15%,大约 4 万。
请大伙帮着看一看这个利率如何?由何优缺点?
买房对我们每位移民来说是一件大事,很想听一听大家的建议。
先多谢了!
-oldp(oldp);
2004-5-17
{362}
(#1727633@0)
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你说的利率具体是怎么来的?如果是VARIABLE,一般都是PREMIUM 减去
一个固定或变化的DISCOUNT,你的这个3.4是怎么算的?
-fxid(外地民工模样的人);
2004-5-17
(#1727659@0)
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TD 给我的。第一次谈这个,真不知道是咋算的。 :(
-oldp(oldp);
2004-5-17
(#1727672@0)
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你要问1清楚,我估计不可能5,6年都是3.4,而是头几个月是,然后高上去,同时,就是给你的DISCOUNT是固定,PREMIUM RATE也是会变的,如果你
这些没搞2清楚,还是让他多解释,你才能明白。
-fxid(外地民工模样的人);
2004-5-17
(#1727684@0)
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多谢!如果是 Prime rate - 0.35% for 5 years 如何?
-oldp(oldp);
2004-5-18
(#1727705@0)
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太贵,现在P-0.75到处都是
-eglington(_);
2004-5-18
(#1727709@0)
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多谢哥儿几个的指点。但来还要再问几家,把功课做好。
-oldp(oldp);
2004-5-18
(#1727723@0)
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hi, are you sure you can find the P-0.75% anywhere? time is changing.
if you know which bank can give this discount, please let me know.
-fxid(外地民工模样的人);
2004-5-18
(#1727887@0)
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TD discount is 0.7
-sally_2004(SALLY);
2004-5-18
(#1727944@0)
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TD,RBC,CIBC and Scotia all offer me Prime-0.75%. All mortgage brokers can offer you this rate or even better (that's what they said, after complicated calculation).
-colin888(瞎忙中);
2004-5-18
{576}
(#1727964@0)
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Are you sure the CIBC Prime-0.75% is fully open? Open means you can return any amount in anytime and you can leave the bank at anytime, right? I think all Prime - 0.75% is 5 year close. Thanks.
-uvcare(uvcare);
2004-5-18
(#1727975@0)
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Yes, fully open and no limit on payment. The term is for 5 year. But as I said, if you are able to pay it off within the 5 year, you won't get any penalty.It's my home branch. They locate at Alton Tower. You can go try it. Also the banker gave me 1.15% discount of their 5-year posted rate if I change my plan to 5-year fix during the 5 year. This is a protection for you when you consider the prime rate is gonna go up dramatically and you'd like to change to 5-year fix term plan.
-colin888(瞎忙中);
2004-5-18
{329}
(#1728156@0)
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你这个可能是老黄历了吧,这几个星期利率又变了好几次,我再去谈
谈看到底多少。
-fxid(外地民工模样的人);
2004-5-18
(#1728210@0)
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For me, it's too good to be true. Can you give me the phone no. of the sales? I would like to try. Thanks. :-)
-uvcare(uvcare);
2004-5-18
(#1728220@0)
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Doris Ngai, Personal Banker 416-293-4571 x/231个人来讲,巨讨厌这人,很傲慢.我没买房前想做个PRE-APPROVAL,我在那分行已经开户6年多了,她居然说只能给我POSTED RATE.那种RATE LOCK来干什么呀.不过如果你选择这种MORTGAGE,她给的DEAL倒是不错.你最好拿着OFFER和她谈.
-colin888(瞎忙中);
2004-5-18
{202}
(#1728685@0)
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I don't think so. I tried cibc and the discount not like all term -0.75. they gave me first several month >0.75 then turn to -.50 or .25. one month ago,
you can get -0.75 anywhere, but now. I don't know.please let me konw where you can get the whole term(5 years) -0.75 and
full open. I will appreciate you.
-fxid(外地民工模样的人);
2004-5-18
{105}
(#1728047@0)
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对,他们有两种,一种象你所说的,好象是头三个月PRIME-1.01%,跟着就不清楚了,另一种就是我说的.
-colin888(瞎忙中);
2004-5-18
(#1728691@0)
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此EGG是彼EGG吗? 这李鬼搞的人头大了.
-noproblem(大可以);
2004-5-18
(#1727994@0)
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这个是真的
-eglington(_);
2004-5-18
(#1728028@0)
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更不信了, 按照现在的逻辑, 只有假的才说自己是真的.
-noproblem(大可以);
2004-5-18
(#1728159@0)
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这个呢?
-e9lington(伪蛋);
2004-5-18
(#1728214@0)
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5 years variable rate =prime-0.78Please call jasmine at 416-8802598 for detail information!
-miniwawa(miniwawa);
2004-5-18
{58}
(#1728482@0)
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是不是有CASH BACK,开始一个RATE,往后一个RATE那种吧?感觉只有陈景润才算得出PRIME-0.78%.能简单点5年划一PRIME-0.78%吗?反正照你说应该都一样.
-colin888(瞎忙中);
2004-5-18
(#1728698@0)
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No CASH BACK, 不是开始一个RATE,往后一个RATE. 而是那种5年划一PRIME-0.78%.
-miniwawa(miniwawa);
2004-5-19
(#1729633@0)
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是比我在CIBC的DEAL好点,虽然一年就几十块钱的差别.学到东西了,谢谢.
-colin888(瞎忙中);
2004-5-19
(#1729833@0)