想请教那家银行的房屋贷款利息低

[天山]

大家好有谁知道想请教那家银行的房屋贷款利息低.

 

[aiya]

ask cai min, the broker
she should know better

 

[PrideOfChinese]

It hardly to say which one is lowest. For example, a bank quotes lowest rate for long term, it doesn't mean its short term rate is also the lowest. So it depends on your need. You may have to talk to each bank to compare the rate.

 

[aiya]

To talk to each bank may result deduct your credit, most people don't know that. every time the bank check your credit which deduct quite a few points. be care of that, plus you have to sumbit all your documents again and again to each bank and each bank has different required document which is very time-consuming. highly suggesting to ask broker.

 

[Jingle]

最初由 aiya 发布
you have to sumbit all your documents again and again to each bank and each bank has different required document which is very time-consuming. highly suggesting to ask broker.

I don't think quote the rate needs submitting any document. Just simply ask them the rate, they will tell you, they even don't need ask you who are you, since you are not applying for it yet.

Asking a broker is another better way, but sometime, if you are familiar with one bank, and your daily banking is with them as well, you can ask the bank match the lowest rate you can get. I know TD does it in some case.

 

[PrideOfChinese]

Agree with Jingle. Enquirying a quotation never needs to submit any detail document, except you negotiate it further with the bank for contract.

Some people talk to brokers. But I prefer to deal with bank directly. Why? A big bank is more reliable and trustable.

 

[IPLAN4U]

可以试试 CHRISITINE FAN at 563-5086 会给你很好的按揭计划。

 

[aiya]

yes, you guys are right. if you just ask the rate. you dont need anything. if you wanna a good deal, you have to submit everything, usually they have 0.5% or even 1% discount for you depending on your income and credit etc. but if you are not serious,only ask the rate. they wont tell you the discount. personally thinking broker is good because you can compare all the rates at the same time and don't worry to deduct your credit point too much. in my own opinion, the only case the bank is better that you principal bank loan the money to you. They may give you better discount that the broker can't, otherwise the broker and banker have the same discount.

 

[东山散木]

现在银行房屋贷款3年期或者自由浮动的最佳利率到底是多少啊？

 

[cutecute]

MORTGAGE可以转让的吗?