mortgage rate

本帖由 qiuyi_012019-10-16 发布。版面名称:华人论坛

  1. qiuyi_01

    qiuyi_01 资深人士 ID:59700

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  2. CMLS financial offers five yr fixed at 2.59%.

    Anybody heard of CMLS? Is there any risk to use broker than bank?

    Thanks
     
  3. 向问天

    向问天 日月神教光明左使 ID:112302 VIP

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    这家我在用,没问题。
     
  4. qiuyi_01

    qiuyi_01 资深人士 ID:59700

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    Thank you very much.
     
  5. 冷笑十声

    冷笑十声 馒头再来 ID:123073

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    他借你钱,有什么担心的。最差是五年后不能续借而已,换一家即可。
     
  6. 向问天

    向问天 日月神教光明左使 ID:112302 VIP

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    需要事先了解的2项:
    容许多还钱吗?
    提前终止罚多少?
     
    已获得冷笑十声的支持。
  7. 冷笑十声

    冷笑十声 馒头再来 ID:123073

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    2.59的利率很好了,有多余的钱可以投资,比还款强。
     
    已获得向问天的支持。
  8. qiuyi_01

    qiuyi_01 资深人士 ID:59700

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    My mortgage is now with RBC at a higher rate, I'm refinancing to have a better rate.

    RBC is offering five yr fixed at 2.79%, if I stay with RBC, I don't need to pay discharge fee which is 376 dollars, I don't need to pay 560 legal fee from CMLS.

    I just don't know if it's a good idea to switch from RBC to CMLS.
     
  9. 冷笑十声

    冷笑十声 馒头再来 ID:123073

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    depends how much mortgage you borrowed from RBC
     
  10. 向问天

    向问天 日月神教光明左使 ID:112302 VIP

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    每10万每年省$200.
    Do your own math.
     
  11. uglyducking

    uglyducking 从前有座山 ID:13040 VIP

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    $100,000 save $200/year, 5 years save $1000
    $10,000,000, save 20,000/year, 5 years save $100,000
     
  12. qiuyi_01

    qiuyi_01 资深人士 ID:59700

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    Isn't the mortgage rate compounded? It should save me a little bit more than $200 for every 100k/yr but I don't know how much it is.
    My mortgage is about 200k, for five year, it will save me more than 2000 if I switch.
    If I switch, I need to pay 376 discharge fee + 560 legal fee = 936.
    Right now, I don't know if there will be an appraisal which will cost another 250. I don't think there will be a appraisal for my case.

    So if there is no appraisal, I should switch.
     
  13. 向问天

    向问天 日月神教光明左使 ID:112302 VIP

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    是 Compounded, 但是同时你借的钱也越来越少。
    抵消 Compound.
     
  14. qiuyi_01

    qiuyi_01 资深人士 ID:59700

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    Thanks.
    Just confirmed that there is no appraisal, so I will switch.
     
  15. qiuyi_01

    qiuyi_01 资深人士 ID:59700

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    They allow 20% lump sum payment every year.
    Did ask about penalty if pay off before 5 yr end.
     
  16. 向问天

    向问天 日月神教光明左使 ID:112302 VIP

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    一般罚三个月的利息。
     

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