[闲聊] 最近拿到的五年利率?

本帖由 笑傲江湖2005-04-19 发布。版面名称:我爱我家

  1. bello

    bello Moderator ID:22978 管理成员 VIP

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    is there any special condition? would please let us know which banch of bank of montreal? it will be great if u can tell us which personal banker you deal with? so let more people can be benefit.....!:D
     
  2. 笑傲江湖

    笑傲江湖 知名会员 ID:11027

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    我还以为你有更好的利率呢。:smokin:
     
  3. 笑傲江湖

    笑傲江湖 知名会员 ID:11027

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    Send QQH 吧,不然有广告之嫌。
     
  4. bello

    bello Moderator ID:22978 管理成员 VIP

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    I don't have a better rate than you, please kindly answer my questions if you don't mind
     
  5. bello

    bello Moderator ID:22978 管理成员 VIP

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    ok, thank you
     
  6. 挺傻

    挺傻 Moderator ID:1176 管理成员 VIP

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    利率到不是最大的问题,但是你的那个CLOSING DATE偶不能GUARANTEE那么长。偶们只能保证120天。要保证那么长,利率现在就不能保证那么低。
    如果CLOSING很快,历史信用记录很好,工作稳定,收入持续,利率可谈的空间不小,但是保证期就没啥可谈的了。
    :)

    偶给你推荐一个,看你的QQH去。:)
     
  7. Leo

    Leo 新手上路 ID:5278

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    能具体解释一下cashback carry-over吗?谢谢!
     
  8. 笑傲江湖

    笑傲江湖 知名会员 ID:11027

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    谢谢你,挺傻。我对你那"Long and Short Mortgage"也蛮有兴趣的。

     
  9. 笑傲江湖

    笑傲江湖 知名会员 ID:11027

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    Check your QQH for a better rate....

     
  10. 笑傲江湖

    笑傲江湖 知名会员 ID:11027

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    等迟一点,俺再联络你看看你有什么好介绍。

     
  11. bello

    bello Moderator ID:22978 管理成员 VIP

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    i don't think BMO will do this low, i already check with them today, I believe that rate is from the broker
     
  12. 笑傲江湖

    笑傲江湖 知名会员 ID:11027

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    Hehe.... 如果Broker能拿到那个利率,为什么银行本身不能match?
     
  13. 笑傲江湖

    笑傲江湖 知名会员 ID:11027

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    4.54% is directly from BMO - the new promotion as of Apr 15/05.

     
  14. 挺傻

    挺傻 Moderator ID:1176 管理成员 VIP

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    偶如果没记错的话,BMO的浮动利率是monthly compound的,所以prime-0.8%在利率上和prime-0.75% semi-annual compound的其实基本没啥区别。
    但是OPEN的TERM到还真是个不错的OFFER!

    如果谁要是想SWITCH MORTGAGE或者REFINANCE的话来谈谈,也许能找到不错的OFFER.:)
     
  15. oread

    oread 新手上路 ID:161

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    This is mostly for renewals. If you've taken a cashback incentive when you signed your first mortgage and want now to switch to another one within the SAME financial institution, in most cases, you could carry over the cashback amount to your new mortgage. In this particular BMO promotion, there is no cashback carry-over allowed, so if you do want to switch to the prime - .85 open variable rate, you'll have to pay back the cash back PLUS the penalty.

    Cashback is normally deducted by 1/mortgage term every year, i.e. if your mortgage term is 5 years, every year your cash back amount would be duducted by 1/5 of the total cash back amount.


     

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