mortgage rate

qiuyi_01

资深人士
注册
2005-11-16
消息
705
荣誉分数
153
声望点数
203
一般罚三个月的利息。
they use two ways to calculate, one way is 三个月的利息, the other way is to use (posted rate - your rate) * months remaining (I think) and they charge you the higher one.
 

qiuyi_01

资深人士
注册
2005-11-16
消息
705
荣誉分数
153
声望点数
203
花936,省了多少?1000?你刚签RBC的mortgage?
much more than 936 because RBC will charge me about 2k penalty.
I renewed last fall when the mortgage rate was very high, half of my mortgage is 3.39 for 2 yr, the other half is 3.69 for 5 yr.
 

uglyducking

从前有座山
VIP
注册
2003-09-30
消息
71,786
荣誉分数
21,737
声望点数
1,373
much more than 936 because RBC will charge me about 2k penalty.
I renewed last fall when the mortgage rate was very high, half of my mortgage is 3.39 for 2 yr, the other half is 3.69 for 5 yr.
go variable:monster:
 

Anakin

本站元老
VIP
注册
2002-07-26
消息
34,846
荣誉分数
5,790
声望点数
373
楼主你借钱你怕个毛线呀?他敢借钱给你,你还怕他跑了?
 

qiuyi_01

资深人士
注册
2005-11-16
消息
705
荣誉分数
153
声望点数
203
楼主你借钱你怕个毛线呀?他敢借钱给你,你还怕他跑了?
I'm just not sure about borrowing from broker instead of bank, if there is hidden fees etc.
 

Anakin

本站元老
VIP
注册
2002-07-26
消息
34,846
荣誉分数
5,790
声望点数
373
much more than 936 because RBC will charge me about 2k penalty.
I renewed last fall when the mortgage rate was very high, half of my mortgage is 3.39 for 2 yr, the other half is 3.69 for 5 yr.
问问出借的你转过去给不给你cover
 

GuardianAngel

本站元老
VIP
注册
2004-02-10
消息
12,194
荣誉分数
2,821
声望点数
373
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.
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
 

冷笑十声

馒头再来
注册
2013-08-12
消息
2,868
荣誉分数
674
声望点数
123
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.
much more than 936 because RBC will charge me about 2k penalty.
I renewed last fall when the mortgage rate was very high, half of my mortgage is 3.39 for 2 yr, the other half is 3.69 for 5 yr.
why just stay with RBC and accept 2.79% rate? switch to CMLS you only save 1000-936=$64. doesn't worth it :)
 
最后编辑:

冰中取火

自定义头衔
注册
2008-04-28
消息
2,913
荣誉分数
1,113
声望点数
323
楼主你借钱你怕个毛线呀?他敢借钱给你,你还怕他跑了?
跑了最好,找不到人不用还钱了。:jiayou:
最近有最低2.19的。
 

向问天

日月神教光明左使
VIP
注册
2012-09-04
消息
52,903
荣誉分数
9,912
声望点数
273
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。
 
顶部