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- 2005-12-12
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下面是高手的原文：转自Rolia
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Good point. 抵押贷款是非常复杂，也是非常严肃的一份商业合同，绝非只是利率的问题。When you purchase a mortgage there are a few things you need to think about and assess all of them as a whole. 祝大家都找到满意的猫给级。 by torontoville (地主，但不是老财)
Rate:
Term:
Variable or Fixed:
Amortization:
Pre-payment option - very important one
Payment frequency
Portable?
Convertable? (at what rate?)
assumable?
Semi-annually or monthly compounded? (it will affect the cost)
Can the payment been skipped for once or twice each year?
Who pays the lender's fee?
Who pays the appraisal fee?
Who pays the legal fee?
Premium for the high ratio mortage
Penalty for pay-out
For OPEN Mortgage, check with bankers if you need to pay any penalty if you leave by paying out...some products are labeled as 'OPEN' but you need to pay penalty, or extra admin fee, or extra compensation fee on top of discharge fee, which deem the mortgage a CLOSED one actually.
Read the Bank's commitment letter carefully
Read the Mortgage statement carefully
各家银行贷款的成本，利润都差不多，主要是拼服务。
=====================================
这里面，我对下面几个概念比较含糊，希望各位大侠解释一下。谢谢！
Pre-payment option - very important one
什么意思？都有什么样的option？
Portable?
不明白
Convertable? (at what rate?)
不明白，是说variable转fix么？
assumable?
不明白
Semi-annually or monthly compounded? (it will affect the cost)
不明白
------------------------------
Good point. 抵押贷款是非常复杂，也是非常严肃的一份商业合同，绝非只是利率的问题。When you purchase a mortgage there are a few things you need to think about and assess all of them as a whole. 祝大家都找到满意的猫给级。 by torontoville (地主，但不是老财)
Rate:
Term:
Variable or Fixed:
Amortization:
Pre-payment option - very important one
Payment frequency
Portable?
Convertable? (at what rate?)
assumable?
Semi-annually or monthly compounded? (it will affect the cost)
Can the payment been skipped for once or twice each year?
Who pays the lender's fee?
Who pays the appraisal fee?
Who pays the legal fee?
Premium for the high ratio mortage
Penalty for pay-out
For OPEN Mortgage, check with bankers if you need to pay any penalty if you leave by paying out...some products are labeled as 'OPEN' but you need to pay penalty, or extra admin fee, or extra compensation fee on top of discharge fee, which deem the mortgage a CLOSED one actually.
Read the Bank's commitment letter carefully
Read the Mortgage statement carefully
各家银行贷款的成本，利润都差不多，主要是拼服务。
=====================================
这里面，我对下面几个概念比较含糊，希望各位大侠解释一下。谢谢！
Pre-payment option - very important one
什么意思？都有什么样的option？
Portable?
不明白
Convertable? (at what rate?)
不明白，是说variable转fix么？
assumable?
不明白
Semi-annually or monthly compounded? (it will affect the cost)
不明白
:smoke: