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枫下家园 / 住房话题 / 今天到TD去办Pre-Approval mortgage.他给的3.8%利率。一年fixed的。但是不是通常的MORTGAGE,而是叫做LINES OF CREDIT.那位知道这个LINES OF CREDIT好不好呀?给点意见。多谢!
-rollypolly(盈盈笑语);
2005-4-8
(#2229567@0)
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你贷多少阿?line of credit不能贷到20万吧,除非你特别牛。
-jeep_nj(heihei);
2005-4-8
(#2229579@0)
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不明白你什么意思。究竟是好还是不好呀?
-rollypolly(盈盈笑语);
2005-4-8
(#2229865@0)
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怎么没有人理呀?
-rollypolly(盈盈笑语);
2005-4-8
(#2229870@0)
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一般LinesOfCredit 有房子作抵押,也只给prime. 没抵押的prime+2% 的都有。没听说过有这等好事
-kuma(kuma);
2005-4-8
{18}
(#2229899@0)
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我想你一定搞错了,这是两个不同的东西,虽然都是向银行借钱用。LINe OF CRDIT就是我们说的个人信贷,一般利率都比较高。
-cpu533(new pc);
2005-4-8
(#2229902@0)
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In addition to the Mortgage you borrow from TD, you can also borrow money using Line of credit based on your credit, usually the rate is 6-7%. but you can payback at any time.
-hongkong27(852);
2005-4-8
(#2229915@0)
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Excellent.
-lsgsz(WEI);
2005-4-10
(#2232092@0)
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they call it home equity line of credit, I use it too, if you use it as your mortgage, they give you very low rate, I have one year fixed, 3.6%.
-dc2004(I like Toronto);
2005-4-8
(#2229956@0)
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but the mortgage rate just rises 0.25 as they said so I got 3.8% rate.
-rollypolly(盈盈笑语);
2005-4-8
(#2230047@0)
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我用了,感觉挺好的。就是你还的本金,可以随时以prime的利率借出,随时可还;如果贷款全部还完了,比如你共贷了20万,你就随时可以prime利率贷出最多20万,(以房子抵押),象网上银行一样,自己操作借还。如果一年到期后,你不再td贷款了,你的额度就没有了。我的是3。85利率。
-lisa2(乐了);
2005-4-8
{186}
(#2230006@0)
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thank you so much for your responses.
-rollypolly(盈盈笑语);
2005-4-8
(#2230053@0)
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I am using home equity line of credit now.I am using home equity line of credit now. there are some advantages, but i have found one disadvantage that you can only get prime rate instead of prime-0.75 if you want to change your mortgage into variable rate unless you change to regular mortgage after you paid about $400.
-franksss(ss);
2005-4-9
{279}
(#2230454@0)