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枫下家园 / 住房话题 /
tor
请问哪个Mortgage plan好:1个是浮动3%;1个是前三个月1.5%,第四个月起3.375%,贷款额1%的现金回馈。请指点,最好能加以说明。多谢。
-com_guy(深圳湾到太平洋);
2004-8-13
(#1841405@0)
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if it's 5 yrs, they are almost same (suppose you will pay that 1% cash back into the mortgage)difference is 3.375% -3% = 0.375%
1% cash back = 0.2% rate discount for 5 yrs
difference is 0.375-0.2 = 0.175% now
1.5% discount for first 3 months is almost 0.075 discount for 5 yrs
then, difference is 0.175-0.075 = 0.1%
consider you pay down the mortage with the 1% cash back at beginning, it will cut the interest huge, so there's almost no difference
-happy30s(goodluck);
2004-8-13
{361}
(#1841430@0)
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我拿到的是一年固定,3%,和你的浮动一样呢!
-tsq(放松你的心);
2004-8-15
(#1843145@0)
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Please give more info, eg. which branch of which bank, the contact info. I am looking for the mortgage now. Thanks!
-greenborough(cccc);
2004-8-15
(#1843277@0)
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And one more question, when you get it? The rate changes a lot since the beginning of the year.
-greenborough(cccc);
2004-8-15
(#1843278@0)
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check your mail please
-tsq(放松你的心);
2004-8-15
(#1843571@0)
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请给我也发个信息。多谢。
-wfj(123);
2004-8-16
(#1845331@0)
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Please send me a copy too. Thanks a lot.
-phoenixnewlife(瘸腿小麻雀);
2004-8-21
(#1851546@0)
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I got 2.95% for 1 year. National Bank. 416 321 6276. Vicky Yup
-midland(steeles);
2004-8-15
(#1843608@0)
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Thanks a lot!
-greenborough(cccc);
2004-8-15
(#1843686@0)
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一年后的利率是多少?
-jenny60(蔷薇);
2004-8-17
(#1846240@0)
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这就是VICKY小姐比较TRICKY的地方,如果一年后她不认为你是VALUABLE的客户,你可就要另外再找了.仔细想想吧,究竟要在她那投资多少才能满足她呢?如果一个投资顾问要靠这种手段招徕客户,她又值得多少信任呢?我在她那拿到的是一年FIX的2.85%.不过最终还是没要.她的OFFER就是一年的最低,3,5年的就比别人高很多.仔细想想个中的缘由.
-colin888(瞎忙中);
2004-8-21
{213}
(#1851614@0)
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我也在买房子,贷款使用浮动利率好还是使用固定利率好,大家有何好建议,谢谢
-jenny60(蔷薇);
2004-8-16
(#1844133@0)
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浮动利率好. Go get Prime-0.75 for five years.
-rollor(Rollor);
2004-8-16
(#1844197@0)
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百分之几?
-jenny60(蔷薇);
2004-8-17
(#1846246@0)
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Currently 3%. But you should not pay too much attention to this, because it is changing. You should consider a long time average figure.
-rollor(Rollor);
2004-8-21
(#1851402@0)
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Did u buy at last? I am shopping around and don't know where to start?
-annran(ann);
2004-8-20
(#1849872@0)