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枫下家园 / 住房话题 /
tor
Option1: CIBC 5-year fully open variable Prime - 0.75
Option2: FirstLine 5-year closed varaiable Prime - 1 (first year), Prime - 0.85(4 years)
Which one is better? Thank you.
-xiaobudianer(小不点儿);
2005-3-7
(#2164341@0)
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I would choose the second one.
-vinatca(nofuture);
2005-3-7
(#2164357@0)
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I think it depends on how fast you want to pay off your mortgage. If you can afford to pay it off in 3 or 4 years, maybe you want to take the CIBC full open one.但是,如果你一年最多能把firstLine 的20%,20%给付掉,那还不如选firstLine的,毕竟利率低。
如果你打算五年之内换房的话,要考虑提前终止贷款的罚款。
-lusi(丑小鸭);
2005-3-7
{145}
(#2164372@0)
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Very good analysis. Thanks.
-xiaobudianer(小不点儿);
2005-3-7
(#2164532@0)