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枫下家园 / 住房话题 /
tor
今天,从拿到MORTGAGE APPROVAL. 具体是这样的:我有一个关于MORTGAGE PREPAYMENT的问题请教???
-wxlj72(karl);
2004-8-9
{987}
(#1835671@0)
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你每两星期的还款包括利息和本金. 比例由你欠银行的本金多少决定. 每年付10000的PREPAYMENT还的是本金. 虽然此后你次仍付同样的钱, 但本金占的比例将增加. 换句话说你将少付利息.
-sq1(The lord of 的猪);
2004-8-9
(#1835687@0)
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all what u guessed there is correct.
-jywu88(Silencer);
2004-8-10
(#1835906@0)
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随本金减少,每次付款中利息占的比例都是不一样的,依次递减。按你的例子,第一次付的242中有171是利息!假如你第一天就先付了1万8本金,付款照样是242/2周,其中利息就只有136了。17年可以还清贷款。如果不付这1万8,25年下来仅利息一项总共要付6万7千,(242x652-91000)。
如果付了这1万8,17年下来的利息是3万4千5,差不多是一半!这还仅仅是第一个20%,再有几个20%就更省了。
-23456789(大白呼);
2004-8-10
{201}
(#1835953@0)
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thks for your answer.
不过,如果我5年后RENEW, 因为我前5年的PREPAYMENT和BI-WEEKLY PAYMENT, 所以下一个5年的BI-WEEKLY PAYMENT就会减少,可能只有1/2,即$121,是吗?
-wxlj72(karl);
2004-8-10
(#1836805@0)
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不是。你的付款额多少是根据你的收入定的。做为你欠钱的想要早还,多还,好少付利息。可是银行认为你还得太多,太快会造成日常生活拮桔,会给你定个最高还款额。说不定你到那时收入增加了,付款额比现在还要多。
-23456789(大白呼);
2004-8-11
(#1837148@0)
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请问是哪家银行?谢谢!
-b52(Bomber);
2004-8-10
(#1836082@0)
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scotiabank mortgage, they give you the best rate 4 mons before closing date. but i saw today's PULSE24 news, the best 5yrs fixed close is 4.8. i don't know which bank.
i also heardif you choose the VRM RATE, you have 85% chance to pay less money than 5 yrs fixed close rate. But you have to take a close watch on the mortgage rate up and down.
-wxlj72(karl);
2004-8-10
{164}
(#1836781@0)
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if you don't mind, may I have your banker's contact info? my previous scotia banker left, and I am looking for aother one, thx
-liuhuaiyu(harry);
2004-8-12
(#1838703@0)
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Just set up a mortgage with Scotia Bank. I chose a combination of 5-year variable and fixed. If you would contact a bank representative in Mississauga, I will provide his contact information.
-win2(win);
2004-8-12
(#1839195@0)
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Thx, I am looking for a downtown toronto one, or scarborough one. Thanks anyway.
-liuhuaiyu(harry);
2004-8-12
(#1839483@0)
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no problem, SCOTIA MORTGAGE MANAGER -- Gary W. Curtis, 416-729 1476, branch office : 1016 kingston rd., 1 block west of victoria park ave. my buyer agent recommend him to me, a BLACK MALE,SHORT HAIR, MID BUILD, BE CAREFUL!!! hahaha, JOKING AROUND. anyway, shop around before you meet him. good luck!!!
-wxlj72(karl);
2004-8-12
{115}
(#1839618@0)
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Thanks for the info!
-liuhuaiyu(harry);
2004-8-13
(#1840179@0)
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目前最优惠利率是多少?
-malvern(hk);
2004-8-10
(#1836821@0)
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3%
-jenny60(蔷薇);
2004-8-10
(#1836901@0)
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谢谢.我现在得到一个是 5年浮动,当时的最优惠利率-- 0.75%,不知道好不好
-malvern(hk);
2004-8-10
(#1837015@0)
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5年浮动,是不是5年内不能固定,0。75%这么低啊?那家银行?
-jenny60(蔷薇);
2004-8-11
(#1838320@0)
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第一,目前最優惠利率是3.75,由於很多人拿到的是PRIME-0.75,所以實際利率是3.第二,樓下的說的是PRIME-0.75,不是0.75的利率.---這個差別簡直是..天差地別..
-yymeg(cherry);
2004-8-11
(#1838372@0)
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都说浮动比固定的好,但是眼看利率这么低,五年内要是猛涨可就太亏了。大家发表些意见,还有浮动1%cash back, 三年prime-0.375%的怎么样?
-milly(milly);
2004-8-11
(#1838406@0)
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能插话吗,我觉得五年内利率猛涨是不大可能的,除非经济快速发展或者通货膨胀率急剧上升,
-icql(coming soon);
2004-8-12
{886}
(#1838967@0)
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有道理,还是短期低息贷款比较合适
-eglington(eglington);
2004-8-12
(#1838989@0)
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Agree! I got 1 year fix 2.9%. I don't think 5 years is a good choice, the bank always want to band you for a long time, if you want to change, then the bank will say "sorry"
-mgcp(兔MM);
2004-8-12
(#1839019@0)
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能请您告知,在哪家银行拿到的吗,是最近吗,谢谢您
-icql(coming soon);
2004-8-12
(#1839030@0)
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National Bank
-mgcp(兔MM);
2004-8-12
(#1839412@0)
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and when?
-tuantuan(want a znmn);
2004-8-12
(#1839468@0)
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2.9 one year fixed is really a great deal.
any special cituation make you get this deal?
Hope we can learn something from this case. Thanks.
-liuhuaiyu(harry);
2004-8-12
(#1839486@0)
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Nothing special, I just put 10% in the down, and both of us have a job, that's it.
-mgcp(兔MM);
2004-8-13
(#1840661@0)
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May I have your agent's phone number please? ?Thanks alot.
-icql(coming soon);
2004-8-13
(#1840814@0)
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let me check it for you, I am not contact with agent, I directory discuess with the bank, the agent is not good, they will earn money from your case, so .....
-mgcp(兔MM);
2004-8-13
(#1841575@0)
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Yes, you are right. Would you like to tell me your contact person's name and phone number at the bank please? I have to have my mortgage renewed recently. Thanks again.Please send me an email at amwz818@yahoo.ca or reply this message at your convenience. Thanks,
-icql(coming soon);
2004-8-14
{94}
(#1842244@0)
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Can you give me the phone number of National bank? where is located? thanks
-roseflower(rose);
2004-8-14
(#1842346@0)
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I think this one is good: 1% cash back, first 3 month 1.5% (Prime-2.25%), and following 33 month 3.375% (Prime-0.375%). therefore, the first year real rate just 1.9%. Is this a good deal?
-milly(milly);
2004-8-12
(#1839594@0)
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Not the best one for VRM .Please call jasmine at 416-8802598, if you need more information!
-miniwawa(miniwawa);
2004-8-13
{66}
(#1840647@0)
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只是不想把主动权交给银行简单计算:5年固定现在5%,1年固定3%, 以每次涨息0.25%来计算, 从3%到5%要连续7次,才可以说持平,有多大可能在一年内连续涨息7次.个人认为急跌慢涨.
-mgcp(兔MM);
2004-8-13
{135}
(#1840723@0)
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你说的有道理,刚开始我也是APPLY VRM RATE:3.0%, 但后来还是换成5 YRS FIXED CLOSE RATE. 主要原因是:
-wxlj72(karl);
2004-8-12
{696}
(#1839643@0)