mortgage rate

[uglyducking]

刚刚去问了，我的3.4要换只能得到3.29，因为只有一年了。如果换成5年的要交罚款。

啥破银行啊，这是要和你断交啊！很多银行不到一年都可以提前renew了。你是不是没按时付款啊

 

[向问天]

啥破银行啊，这是要和你断交啊！很多银行不到一年都可以提前renew了。你是不是没按时付款啊

只能提前5个月。
CIBC

 

[Littlecesar]

一般好像只能提前4个月

 

[uglyducking]

一般好像只能提前4个月

但是variable一般可以随时变成fix的

 

[qiuyi_01]

问问出借的你转过去给不给你cover

不给cover.

 

[qiuyi_01]

2.79% with RBC for 5 years is already very good.

I just remortgaged mine with RBC for a 5 year fixed of 2.85% a week ago... Much worse

RBC offered 2.84, I told them Tangerine’s five yr fixed is 2.74 and asked them to match, they lowered it to 2.79.

 

[qiuyi_01]

why just stay with RBC and accept 2.79% rate? switch to CMLS you only save 1000-936=$64. doesn't worth it

For every 100k, it saves 200/ yr, it saves 1000 for five years. My mortgage is 200k, it will save me 2000 - 936 = 1064.

 

[qiuyi_01]

跑了最好，找不到人不用还钱了。
最近有最低2.19的。

哪有那么简单，对方借给你钱的同时，会放个lien 在你的房子上，你不把钱还清的话，别想把lien 拿掉。
哪个银行给2.19啊？知道有给2.49的， 但只给自住房，不给投资房，我这房是投资房。
Tangerine两年fixed的是2.64, 但要appraisal, 不光花钱，还有我的房客十月生孩子，不想打扰她。tangerine还要求我找律师办理相关手续，律师费又是一笔，太麻烦，我就算了。

 

[uglyducking]

For every 100k, it saves 200/ yr, it saves 1000 for five years. My mortgage is 200k, it will save me 2000 - 936 = 1064.

5年每年你能省的数目是递减的

 

[GuardianAngel]

RBC offered 2.84, I told them Tangerine’s five yr fixed is 2.74 and asked them to match, they lowered it to 2.79.

Wow. You are so good

 

[冰中取火]

村民们从这能看出房价是怎样炼成的了吧？有上面这些地主，如果再来些炒房团那房价就会一步登天了。

 

[三维人生]

一般罚三个月的利息。

有时罚金会很高。最好看清楚细则。

 

[qiuyi_01]

5年每年你能省的数目是递减的

利率是复利，就算和递减互相抵消了。RBC给我降到2.74我就不离开了，但RBC只降到2.79。

 

[uglyducking]

利率是复利，就算和递减互相抵消了。RBC给我降到2.74我就不离开了，但RBC只降到2.79。

0.05% makes no big deal, even if your mortgage is 10M

 

[GuardianAngel]

0.05% makes no big deal, even if your mortgage is 10M

How much more interest per 100K per year for 0.05%?

$50. 还真是
Now I feel much better