[闲聊] 最近拿到的五年利率？

[bello]

最初由 xyz139 发布
今天拿到了4.54%五年Fixed. :bounce: :bounce: :bounce:

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.....!

 

[笑傲江湖]

我还以为你有更好的利率呢。:smokin:

 

[笑傲江湖]

Send QQH 吧，不然有广告之嫌。

 

[bello]

最初由 xyz139 发布
我还以为你有更好的利率呢。:smokin:

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

 

[bello]

最初由 xyz139 发布
Send QQH 吧，不然有广告之嫌。

ok, thank you

 

[挺傻]

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。

 

[Leo]

最初由 渐渐 发布
BTW, BMO has a special promotion from April 15 until end of June, 3 yr fully open variable rate at prime - .85%, new mortgage or renewal, but no cashback carry-over.

能具体解释一下cashback carry-over吗?谢谢!

 

[笑傲江湖]

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

最初由 挺傻 发布
偶给你推荐一个，看你的QQH去。

 

[笑傲江湖]

Check your QQH for a better rate....

最初由 bello 发布
I don't have a better rate than you, please kindly answer my questions if you don't mind

 

[笑傲江湖]

等迟一点，俺再联络你看看你有什么好介绍。

最初由 挺傻 发布
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。

 

[bello]

最初由 挺傻 发布
BMO疯掉啦.竞争激烈呀.

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

 

[笑傲江湖]

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

 

[笑傲江湖]

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

最初由 bello 发布
i don't think BMO will do this low, i already check with them today, I believe that rate is from the broker

 

[挺傻]

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.

 

[oread]

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.

最初由 Leo 发布


能具体解释一下cashback carry-over吗?谢谢!