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  • 最优利率和cashback可以申请特批，好信用好收入offer更好。请点链接扫码加微信咨询，Scotiabank -- Nick Zhang 6478812600。
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  • 最优利率和cashback可以申请特批，好信用好收入offer更好。请点链接扫码加微信咨询，Scotiabank -- Nick Zhang 6478812600。

@PEI

TD,RBC,CIBC and Scotia all offer me Prime-0.75%. All mortgage brokers can offer you this rate or even better (that's what they said, after complicated calculation).

colin888(瞎忙中)
If you choose this type of mortgage, CIBC will be the best choice because their plan is fully open. There's no traditional 15/15 or 20/20 .... There's no limit on over payment or lum sum. If you win 649 someday, you can pay your mortgage all at once without any penalty. It's the most flexible mortgage I ever got. TD is the worst because they don't offer you discount of post rate when you switch to a fix term plan. Normally there's 1.15-1.25% discount of posted rate if you switch to a 5-year fix term mortgage. LOT OF HOMEWORK NEEDS TO BE DONE. IT'S ALL ABOUT MONEY.
(#1727964@0)
Last Updated: 2004-5-18
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Replies, comments and Discussions:

  • 枫下家园 / 住房话题 / 请大伙帮着看一看这个利率如何？ -oldp(oldp); 2004-5-17 {362} (#1727633@0)
    想买房了，到银行问了一下贷款的事，结果如下：
    1. 可贷到 26 万；
    2. 25 年还清；
    3. 应该是 Variable Rate Mortgage， 5-year term
    4. 利率 3.4%
    5. 每月大约要还 $1300。但可以 double payment，另外还可以每一年有一次 prepayment 不超过 15%，大约 4 万。

    请大伙帮着看一看这个利率如何？由何优缺点？
    买房对我们每位移民来说是一件大事，很想听一听大家的建议。
    先多谢了！
    • 你说的利率具体是怎么来的？如果是VARIABLE，一般都是PREMIUM 减去 一个固定或变化的DISCOUNT，你的这个3.4是怎么算的？ -fxid(外地民工模样的人); 2004-5-17 (#1727659@0)
      • TD 给我的。第一次谈这个，真不知道是咋算的。 :( -oldp(oldp); 2004-5-17 (#1727672@0)
        • 你要问1清楚，我估计不可能5，6年都是3.4,而是头几个月是，然后高上去，同时，就是给你的DISCOUNT是固定，PREMIUM RATE也是会变的，如果你 这些没搞2清楚，还是让他多解释，你才能明白。 -fxid(外地民工模样的人); 2004-5-17 (#1727684@0)
          • 多谢！如果是 Prime rate - 0.35% for 5 years 如何？ -oldp(oldp); 2004-5-18 (#1727705@0)
            • 太贵，现在P-0.75到处都是 -eglington(_); 2004-5-18 (#1727709@0)
              • 多谢哥儿几个的指点。但来还要再问几家，把功课做好。 -oldp(oldp); 2004-5-18 (#1727723@0)
              • hi, are you sure you can find the P-0.75% anywhere? time is changing. if you know which bank can give this discount, please let me know. -fxid(外地民工模样的人); 2004-5-18 (#1727887@0)
                • TD discount is 0.7 -sally_2004(SALLY); 2004-5-18 (#1727944@0)
                • TD,RBC,CIBC and Scotia all offer me Prime-0.75%. All mortgage brokers can offer you this rate or even better (that's what they said, after complicated calculation). -colin888(瞎忙中); 2004-5-18 {576} (#1727964@0)
                  If you choose this type of mortgage, CIBC will be the best choice because their plan is fully open. There's no traditional 15/15 or 20/20 .... There's no limit on over payment or lum sum. If you win 649 someday, you can pay your mortgage all at once without any penalty. It's the most flexible mortgage I ever got. TD is the worst because they don't offer you discount of post rate when you switch to a fix term plan. Normally there's 1.15-1.25% discount of posted rate if you switch to a 5-year fix term mortgage. LOT OF HOMEWORK NEEDS TO BE DONE. IT'S ALL ABOUT MONEY.
                  • Are you sure the CIBC Prime-0.75% is fully open? Open means you can return any amount in anytime and you can leave the bank at anytime, right? I think all Prime - 0.75% is 5 year close. Thanks. -uvcare(uvcare); 2004-5-18 (#1727975@0)
                    • Yes, fully open and no limit on payment. The term is for 5 year. But as I said, if you are able to pay it off within the 5 year, you won't get any penalty. -colin888(瞎忙中); 2004-5-18 {329} (#1728156@0)
                      It's my home branch. They locate at Alton Tower. You can go try it. Also the banker gave me 1.15% discount of their 5-year posted rate if I change my plan to 5-year fix during the 5 year. This is a protection for you when you consider the prime rate is gonna go up dramatically and you'd like to change to 5-year fix term plan.
                      • 你这个可能是老黄历了吧，这几个星期利率又变了好几次，我再去谈 谈看到底多少。 -fxid(外地民工模样的人); 2004-5-18 (#1728210@0)
                      • For me, it's too good to be true. Can you give me the phone no. of the sales? I would like to try. Thanks. :-) -uvcare(uvcare); 2004-5-18 (#1728220@0)
                        • Doris Ngai, Personal Banker 416-293-4571 x/231 -colin888(瞎忙中); 2004-5-18 {202} (#1728685@0)
                          个人来讲,巨讨厌这人,很傲慢.我没买房前想做个PRE-APPROVAL,我在那分行已经开户6年多了,她居然说只能给我POSTED RATE.那种RATE LOCK来干什么呀.不过如果你选择这种MORTGAGE,她给的DEAL倒是不错.你最好拿着OFFER和她谈.
                  • I don't think so. I tried cibc and the discount not like all term -0.75. they gave me first several month >0.75 then turn to -.50 or .25. one month ago, you can get -0.75 anywhere, but now. I don't know. -fxid(外地民工模样的人); 2004-5-18 {105} (#1728047@0)
                    please let me konw where you can get the whole term(5 years) -0.75 and
                    full open. I will appreciate you.
                    • 对,他们有两种,一种象你所说的,好象是头三个月PRIME-1.01%,跟着就不清楚了,另一种就是我说的. -colin888(瞎忙中); 2004-5-18 (#1728691@0)
              • 此EGG是彼EGG吗? 这李鬼搞的人头大了. -noproblem(大可以); 2004-5-18 (#1727994@0)
                • 这个是真的 -eglington(_); 2004-5-18 (#1728028@0)
                  • 更不信了, 按照现在的逻辑, 只有假的才说自己是真的. -noproblem(大可以); 2004-5-18 (#1728159@0)
                    • 这个呢? -e9lington(伪蛋); 2004-5-18 (#1728214@0)
      • 5 years variable rate =prime-0.78 -miniwawa(miniwawa); 2004-5-18 {58} (#1728482@0)
        Please call jasmine at 416-8802598 for detail information!
        • 是不是有CASH BACK,开始一个RATE,往后一个RATE那种吧?感觉只有陈景润才算得出PRIME-0.78%.能简单点5年划一PRIME-0.78%吗?反正照你说应该都一样. -colin888(瞎忙中); 2004-5-18 (#1728698@0)
          • No CASH BACK, 不是开始一个RATE,往后一个RATE. 而是那种5年划一PRIME-0.78%. -miniwawa(miniwawa); 2004-5-19 (#1729633@0)
            • 是比我在CIBC的DEAL好点,虽然一年就几十块钱的差别.学到东西了,谢谢. -colin888(瞎忙中); 2004-5-19 (#1729833@0)

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