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枫下家园 / 住房话题 /
tor
Mortagage 请教Three types of mortagage from TD:
(1) Three years closed, rate 4.75%
(2) Five years closed, rate 5.62%
(3) Variable, prime rate - 0.4%.
Which one would be the best choice?
THANK YOU.
-qin1818(PC);
2002-3-5
{194}
(#390792@0)
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刚刚跟CIBC的经理谈过,他说他卖出去的大多都是VARIABLE,少量3年CLOSED,几乎没有5年CLOSED。因为历史上,在任何五年时间段内,活率比五年定率少付钱的可能性是92%。欢迎讨论。
-rollor(Rollor);
2002-3-5
(#390820@0)
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买房了?
-x2000(围城专家);
2002-3-5
(#390871@0)
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过程中。
-rollor(Rollor);
2002-3-5
(#390875@0)
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个人认为,你已经错过了买VARIABLE的最佳时机。 最应该买VARIABLE的时候,是PRIME RATE将要开始往下走的时候,你的利率也就跟着往下走。可惜现在PRIME RATE已经几乎降到底了,唯一的可能就是往上走。你是聪明人,你觉得利率要往上走的时候,该怎么做呢?
-x2000(围城专家);
2002-3-5
{50}
(#390886@0)
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I tend to buy variable rate mortgage now.
-alan01(alan01);
2002-3-26
(#420346@0)
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你得到的最低利率是多少?有没有低于 Prime-0.75 的?
-rollor(Rollor);
2002-3-26
(#420937@0)
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正想请教您,您现在拿到的利率是多少啊?
-olivia1998(olivia);
2002-3-26
(#420961@0)
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Prime-0.75
-rollor(Rollor);
2002-3-27
(#420975@0)
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It looks like TD 5 year term (variable rate). My eyes are on "President's Choice" so far which has 2.5% fixed rate for 6 months and 3.5% fixed rate for 1 year.
-alan01(alan01);
2002-3-27
(#422163@0)
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请问您用的是哪个银行的MORTGAGE呀?
-olivia1998(olivia);
2002-3-27
(#422169@0)
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"President's Choice" is provided by Amicus Bank (didn't hear before, me neither), a member of the CIBC group.
-alan01(alan01);
2002-3-27
(#422507@0)
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偶认识的几个都选了CLOSED的. 现在, 是选择3年/5年CLOSED的最后时候了. 而且, 偶认为 1. 这个经理说的不真实. 2. 即使是真实, TA说的也是几个月前的情况. 欢迎讨论批评.
-fafa999(fafa);
2002-3-26
(#420353@0)
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再有"在任何五年时间段内,活率比五年定率少付钱的可能性是92%" 这句话偶不完全同意.
-fafa999(fafa);
2002-3-26
(#420357@0)
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三年期锁定较好
-dwq(dwq);
2002-3-28
(#424022@0)
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If the variable can be locked to a fixed term at any time it looks better.
-albxu(Yukon);
2002-3-5
{615}
(#390833@0)
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但是,等活率涨到5.35%,五年定率是不是也会水涨船高,比如涨到7.5%?
-rollor(Rollor);
2002-3-5
(#390857@0)
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那是肯定的。
-x2000(围城专家);
2002-3-5
(#390888@0)
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Yes. It's very possible. But you have the option not to convert. It's not mandatory.A capped variable (say, capped at 6%) may be a good thing in this case.
-albxu(Yukon);
2002-3-5
{71}
(#390898@0)
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Capped variable may be the best choice.Since the closing date is 6 months from now, the manager says that the cap can only be decided a month earlier than the closing date, that is to say, five months later, at that time the cap may be increased already. That is why I am considering the 3 year closed.
-qin1818(PC);
2002-3-5
{263}
(#390915@0)
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It is not a good time to buy house or condo now. Comparing with one year or two years ago, the price has gone up more than 10%. I believe it will drop down soon.If you will pay more than 25% down payment. I believe it is better to wait some time.
-swing-boat(小船);
2002-3-27
{85}
(#422237@0)