问一个关于买房的问题[问题]

goodboy · 注册: 2003-03-14

一般大家买房付多少DOWNPAYMENT? 房价的5%? 10%? 25%? 我想买一个20到26万的房子,必须要付多少的首期?

另外,买新房和买旧房DOWNPAYMENT有区别吗?如果新房和旧房的房价一样的话?

谢谢了!!!

oread · 注册: 2002-01-24

For downpayment less than 25%, you must buy a mortgage insurance, which is between 1% to 3.25% of the total price of property (check www.cmhc.ca for details). Chinese tend to pay at least 25% down, but Canadians rarely pay that much, it all depends on your financial situation.

There is no difference in downpayment when it comes to newly constructed home or resale homes. However I've heard that the bank usually requires 50% downpayment if you are not a first-time home purchaser.

oread · 注册: 2002-01-24

MORTGAGE INSURANCE PREMIUMS
Effective July 14, 2003

source: http://www.cmhc-schl.gc.ca/en/moinin...m&PageID=66020

GreenGable · 注册: 2002-03-14

"However I've heard that the bank usually requires 50% downpayment if you are not a first-time home purchaser..." -- never heard of this and its not true.

挺傻 · 注册: 2002-04-16

HIGH LVR保险的申请费是165,如果是安省要付PST.如果CMHC不接受保险,还有GE,区别就是一个是政府的,一个是私有的,保险费是一样的.保险银行会帮你申请的,申请费也有可能替你交.
SCOTIA现在有0首付的计划,如果没有足够的存款交首期可以考虑.但是如果你不交首期,在获得MORTGAGE的利率上可以NEGOTIAGE的余地就不是那么大,但是也并不是不可以谈.
GOOD LUCK!

fallleave · 注册: 2003-03-27

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GreenGable [开坛元勋] ID: 708 声望: 382563 声望力: 3907 帖子: 6,310 家族: 北京来自: 中国文章: 1 金钱: 25,598 注册: 2002-03-14	"However I've heard that the bank usually requires 50% downpayment if you are not a first-time home purchaser..." -- never heard of this and its not true.
	________________________________ 行到水穷处，坐看云起时...棋道一百，我只知七...一花一世界，一树一菩提...千差有路，大道无门...
	2004-09-27, 14:57 #4

挺傻 [版主] ID: 1176 声望: 431037 声望力: 4391 帖子: 5,138 家族: 来自: 文章: 39 金钱: 73,810 注册: 2002-04-16	HIGH LVR保险的申请费是165,如果是安省要付PST.如果CMHC不接受保险,还有GE,区别就是一个是政府的,一个是私有的,保险费是一样的.保险银行会帮你申请的,申请费也有可能替你交. SCOTIA现在有0首付的计划,如果没有足够的存款交首期可以考虑.但是如果你不交首期,在获得MORTGAGE的利率上可以NEGOTIAGE的余地就不是那么大,但是也并不是不可以谈. GOOD LUCK!
	________________________________ 你不知道我过去是干什么的,你真的还嫩点. 我对论坛的贡献恐怕超出了你的想象极限.
	2004-09-27, 21:06 #5

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	2004-09-28, 18:28 #6

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goodboy [普通会员] ID: 5828 声望: 26 声望力: 68 帖子: 79 家族: 来自: 金钱: 4,502 注册: 2003-03-14	问一个关于买房的问题[问题] 一般大家买房付多少DOWNPAYMENT? 房价的5%? 10%? 25%? 我想买一个20到26万的房子,必须要付多少的首期? 另外,买新房和买旧房DOWNPAYMENT有区别吗?如果新房和旧房的房价一样的话? 谢谢了!!!

	2004-09-27, 13:38 #1

oread [开坛元勋] ID: 161 声望: 0 声望力: 0 帖子: 20,376 家族: 来自: 金钱: 2,694 注册: 2002-01-24	For downpayment less than 25%, you must buy a mortgage insurance, which is between 1% to 3.25% of the total price of property (check www.cmhc.ca for details). Chinese tend to pay at least 25% down, but Canadians rarely pay that much, it all depends on your financial situation. There is no difference in downpayment when it comes to newly constructed home or resale homes. However I've heard that the bank usually requires 50% downpayment if you are not a first-time home purchaser.

	2004-09-27, 13:47 #2

oread [开坛元勋] ID: 161 声望: 0 声望力: 0 帖子: 20,376 家族: 来自: 金钱: 2,694 注册: 2002-01-24	MORTGAGE INSURANCE PREMIUMS Effective July 14, 2003 source: http://www.cmhc-schl.gc.ca/en/moinin...m&PageID=66020 附件:

	2004-09-27, 13:53 #3