这个Minto，我碰上大麻烦了

[杨树]

前几天去Minto签约交定金。Schedule F 中写了 TD银行和利率。当时没多想就签了。现在发现别的银行利率更低，但Minto不让改银行。真是上套了。

 

[悠着点]

啊? 还有这回事?

当时我签约时, 要了张银行的pre-approval. 可并没规定一定要用哪家银行啊... 好在没买Minto的房子...

听说, 你签Minto的房子, 如果你选择别的银行,TD是要联系你的. 可竟然一定要用它, 这太霸道啦...:flaming:

问问律师该咋办? 如果你签约不够十天(有个冷静期), 你应该可以终止合约而不付任何罚金的... 问问清楚... 在你的合约上也应该有这一条...

 

[puppy888]

Dont' be worried about it too much.

If you are planning to buy some new home and no inventory there. I guess you need wait for a long time for closing. For me, my closing day is around this Dec. So no bank can hold the rate so long, except for TD, since the minto has some deal with TD, I guess.

So the rate must be up within this year. so your current locked rate will be very cheap at the closing day, if your case is similar to mine.

 

[悠着点]

不会吧, 我是跟BMO和TD定的. 2004年的pre-approval, 那个利率到今年底失效. 所有银行跟新房的房贷利率都会至少保证一年...

 

[kentridge]

yes

under the law, you can most likely cancel the agreement by writing them an official letter.

there is a template of the letter you need to get it from yourself but it will not cost you a dime.

 

[kentridge]

i think the lawyer let you pass the timeframe

that you can cancel the contract. i believe you can cancel the contract within 10 days. based on you said, you might not be able to do that but you might be able to do sth. if you consult with your lawyer.

 

[kentridge]

i am not sure you can do that

because you had the chance of looking and inspect that house. i believe you can do sth by the time you placed the offer but you might still get in a situation of lawsuit. Not the time when the title has been transferred to you. It would be just easy to sale it afterwards if you do not like it. Nowadays, if you can do DIY, you might be able to make money

see this kind of question you can not have a smiple answer you need talk to your lawyer.

最初由 joflem 发布

如果你签约不够十天(有个冷静期), -----这是什么意思？比如说我买了一个旧房子，从律师那里过户。搬进去的当天就发现有问题，能不能在10 天内取消签约？
这个问题困扰了我好几年了。
等待回答中。 谢谢

 

[Old Ginger]

最初由 杨树 发布
前几天去Minto签约交定金。Schedule F 中写了 TD银行和利率。当时没多想就签了。现在发现别的银行利率更低，但Minto不让改银行。真是上套了。

如果你买的Minto房子用TD bank 做你的Mogage，TD bank 给你一千六刀的 Free upgrade. 如果你 TD Bank 的five year Mogage Rate - $1600 仍大于其他银行的rate,你就不签协议。实际算起来不会赔得。