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枫下家园 / 住房话题 / 请问现在最好的贷款利率组合是什么?有人(toronto1)说可以拿到第一年p-1余下四年p-0.85可以20/20五年closed,这是不是最好的(假设你没可能5年付清或想转银行)。
-buyingusedcar(I/O);
2005-3-21
(#2193751@0)
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It's good rate. Now most bank gives you P-0.75, 5 years term. Do you know how to get the rate you mentioned. My email:shuochaohu@yahoo.com
-samhu(Sam_SC_Hu);
2005-3-21
(#2194054@0)
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我PM了TORONTO1,可他没理我,所以我也不知道电话号码,只知道是CIBC, 另外INGDIRECT可以给P-0.8, 网上申请无需谈判
-buyingusedcar(I/O);
2005-3-21
(#2194640@0)
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Thanks a lot. I'll try CIBC. I dn't like INGDIRECT. Because I knew it little.
Thank you again
-samhu(Sam_SC_Hu);
2005-3-22
(#2195162@0)
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Why don't you lke ING Direct? The rate is good and I am considering to get mortage there. Thanks.
-xiaoxue_ca(天凉好个秋);
2005-3-22
(#2195473@0)
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yes, the rate is good. but, different service style.
-ckzn(nancy);
2005-3-22
(#2195493@0)
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能不能说详细点,我也正要和ING定Mortgage.
-tzm_oasis(绿洲);
2005-3-22
(#2195536@0)
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only online service and phone service. No specified person serve for your case. To get more info of difference, could call any bank (except ING)and tell them you get a lower rate from ING web page.They will explain the difference to you in detail, I think.
-ckzn(nancy);
2005-3-22
{59}
(#2195575@0)
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谢谢。听着还好,我正好也懒得专门找时间去他们那里,正和我的脾气。
-tzm_oasis(绿洲);
2005-3-22
(#2196789@0)
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Ing direct is not bad. No difference with the other bank. I just got a morgage from them. 5yrs.
-shaise(汤团);
2005-3-23
(#2197330@0)
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I got a morgage from ING direct with a broker yesterday, the rate was very good!
-shaise(汤团);
2005-3-23
(#2197251@0)
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what's the rate?
-zzbsb(friends);
2005-3-23
(#2197342@0)
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-1.25% for the 1st yr, and -0.8% for the 2nd, 3rd, 4th and 5th yr. 5 yrs close.some cash back for the 1st yr.
-shaise(汤团);
2005-3-23
(#2197655@0)
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真得是非常非常好。有最低贷款限额吗?能PM我他的联系方法吗?谢谢
-canmake(悠悠);
2005-3-23
(#2197907@0)
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yes, of course. check your pm pls.
-shaise(汤团);
2005-3-23
(#2198049@0)
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你发到哪里了?找不到呀。你能不能再发一遍?谢谢
-canmake(悠悠);
2005-3-23
(#2198076@0)
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谢谢,已收到。 听其他网友说她那儿有个计划第一年减1。25%,第2--5年减0。85%,这个计划好像更好啊,怎么停了?
-canmake(悠悠);
2005-3-23
(#2198249@0)
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请问你拿到这个计划了吗? 1-1.25, 2-5 -0.8/0.85? 能告诉一下BROKER的联系方式吗?
-wilsonhyq(wilsonhyq);
2005-3-25
(#2202781@0)
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could u PM me? Thanks!
-yeek(yeek);
2005-3-24
(#2199475@0)
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谢谢!麻烦发给我一份。
-yeek(yeek);
2005-3-24
(#2200971@0)
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Please PM me the contact infomation about your broker. Thanks alot!
-grace111(yt);
2005-3-25
(#2202622@0)
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还有大概可以给多少cash back? thanks
-canmake(悠悠);
2005-3-23
(#2197911@0)
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能否也PM我一下你的broker的联系方式?谢谢!
-kittygirl(小资);
2005-3-23
(#2197999@0)
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能否也PM我broker的联系方式? 谢谢!
-blueday(blueday);
2005-3-24
(#2199812@0)
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could you PM to me your broker number?thanks lot!
-john_liu(birthday);
2005-3-24
(#2200931@0)
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Please PM me the contact info. Many thanks
-sunmj(sunmj);
2005-3-25
(#2201677@0)
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Please PM the broker contact. Thanks.
-starwars988(stars);
2005-3-25
(#2201980@0)
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能否也PM我broker的联系方式? 谢谢!
-torontobear(bear);
2005-3-25
(#2202809@0)
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Please PM me the contact info,谢谢!
-yestreen(又过一天);
2005-3-26
(#2203891@0)
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能否也PM我broker的联系方式? 谢谢!
-new-iter(ITbeginer);
2005-3-27
(#2204165@0)
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I know that there are many PM requests already... Could you please PM me the Broker's info as well? Thanks a lot!
-fhj(Free);
2005-3-27
(#2204704@0)
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能PM我他的联系方法吗?谢谢
-waterman99(whaterman);
2005-3-28
(#2207311@0)
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能否PM我他的联系方法吗?谢谢 !
-0_0(圈圈);
2005-3-28
(#2207371@0)
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could you PM to me your broker number?thanks lot!
-gone123(gone123);
2005-3-28
(#2207510@0)
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Can I get your broker's information please? Thanks alot.
-mgcp(兔MM);
2005-3-28
(#2207563@0)
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Please PM me the contact info. Many thanks.
-auk(oak);
2005-3-23
(#2197993@0)
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正想找INGDirect,麻烦也把信息 PM 给我啦,谢谢!!
-qmark(qmark);
2005-3-24
(#2199830@0)
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Can you please pm me your broker's phone No. Thank you very much!
-happy-chinese(cloud);
2005-3-24
(#2201251@0)
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还有大概可以给多少cash back? Could you PM to me your broker number?thanks lot!
-wllol(故乡的海);
2005-3-28
(#2207266@0)
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很怀疑在CIBC有没有可能拿到这样的rate,好像当初toronto1说的是那个fully open的是CIBC的。
-ckzn(nancy);
2005-3-22
(#2195502@0)
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我也怀疑toronto1是乱盖的(sorry),听闻cibc最是不好谈判。有个broker承诺可以拿到p-0.85但要求贷款额至少25万(commission?),25万以下p-0.8跟ING一样。
-buyingusedcar(I/O);
2005-3-22
(#2195866@0)
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你说的这个mortgage是variable closed吗?可以20/20?
-ckzn(nancy);
2005-3-22
(#2196150@0)
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是variable rate, 20/20, 5年closed
-buyingusedcar(I/O);
2005-3-22
(#2196810@0)
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有没有哪家银行可以拿到Prime-0.7左右,但是要fully open的?谢谢了
-kittygirl(小资);
2005-3-23
(#2198046@0)
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CIBC
-yf123(MIMI);
2005-3-23
(#2198261@0)
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Prime-0.75,5years fully open.
-yf123(MIMI);
2005-3-23
(#2198265@0)
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想买房,可看不懂你们的P-0.85. 到底怎么算的?
-coral1(一扇窗);
2005-3-24
(#2199971@0)
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那就是说,你还没到火候,不用着急Primary Rate - 0.85
-hhh(哈哈哈);
2005-3-24
{19}
(#2200972@0)
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请求扫盲,open和close与fix和variable什么关系?
-yuanfei(yuanfei);
2005-3-24
(#2201039@0)
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啊?我?我也正处于扫盲阶段呢。简言之,fix意思是在一个mortgage term内始终按预先谈好的一个固定的利率支付利息,不随prime rate变化而变化。variable则要随着prime rate变化。open是指可以随时还清贷款,比如卖房、转去其他银行、转为其他mortgage类型等,没有penalty。closed的会有penalty。
不一定准确啊。
建议去银行拿一些关于mortgage的小册子,上面有详细准确的解释,有的银行(在华人聚居的地方)还提供中文的。
-ckzn(nancy);
2005-3-24
{364}
(#2201123@0)
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多谢啊!刚弄明白一点俺家的贷款。那现在的primary是3.75,减0.75就是3%了,不错啊,比俺们那时低了。
-yuanfei(yuanfei);
2005-3-24
(#2201216@0)
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!现在的prime不是4.25吗?去年9月以后加过两次息。
-ckzn(nancy);
2005-3-24
(#2201240@0)
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见3月的帐单上LOC variable rate就是3.75啊,以为那就是prime。LG办的贷款,我至今没弄明白,说是什么home equity line of credit,分fix部分和variable部分,可以随时还清。开始的帐单上全是variable, 用的是prime rate(当时是3.75),后来我们全部放到fix上了,3年。第一个月发现variable rate低于fix rate,好后悔啊,不过从第2个月开始variable全高于fix了。我们贷的是posted rate-1.5,不知posted rate一般比prime rate高多少?
-yuanfei(yuanfei);
2005-3-25
{342}
(#2201327@0)