分享:交流一下最近贷款利率的经验

[矛盾]

有没有最近更新或新做的房屋贷款?
这个broker如何?

另外,听说有人到多沦多贷款,那的利息更低.

多谢分享!

Ottawa Carleton Mortgage Inc. - Our Best Rates

6 Month Conv.5.20%
1 Year3.50%
2 Year4.29%
3 Year3.75%
4 Year4.39%
5 Year4.14% *
6 Year5.40%
7 Year5.90%
10 Year6.05%
18 Year9.3525 Year9.45
Fully Open Variable4.50%
5 Year Variable 3.60%

 

[colonel]

在多伦多论坛看到有人说5年固定可以拿到3.65%

 

[laotou]

I am looking for better rate to renew my morgtage. Scotianbank offers 4.49% for 5 year closed rate. could any experts please predict whether mortgage rates still have large room to decrease? how many year rate should I choose? Thanks

 

[LaoNi]

I'm not an expert. Just want to share my view on the direction of mortgage rate. I don't think there will be a large room to drop, the most is another 0.5% drop on the prime rate. Here is the reason. BOC overnight rate is 1% now. Bank's prime rate usually (I said usually) follows the direction of the BOC overnight rate. And because of this, I don't think the overnight rate will go down below 0.5%, unless the economy is go down to the toilet.

 

[xiaomei]

3 years rate is very good, i will call the broker tomorrow. same question: 这个broker如何? I used to get mortgage from bank directly, not from broker. Can someone share your knowledge about the advantages and disadvantages between banks and brokers on mortgage?

thanks

有没有最近更新或新做的房屋贷款?
这个broker如何?

另外,听说有人到多沦多贷款,那的利息更低.

多谢分享!

Ottawa Carleton Mortgage Inc. - Our Best Rates

6 Month Conv.5.20%
1 Year3.50%
2 Year4.29%
3 Year3.75%
4 Year4.39%
5 Year4.14% *
6 Year5.40%
7 Year5.90%
10 Year6.05%
18 Year9.3525 Year9.45
Fully Open Variable4.50%
5 Year Variable 3.60%

 

[矛盾]

I think Broker is just an agent for different banks or other fianancial institution. Your final mortgage is still with bank, probably. The broker can find better deal for you because they trigger competition between banks.

Can you post the information after you called?

3 years rate is very good, i will call the broker tomorrow. same question: 这个broker如何? I used to get mortgage from bank directly, not from broker. Can someone share your knowledge about the advantages and disadvantages between banks and brokers on mortgage?

thanks

 

[矛盾]

I just checked the major banks' website. It looks all banks are offering the same special rate now.

4 Year Closed Term Fixed Mortgage* 4.39%
5 Year Closed Term Fixed Mortgage* 4.49%

I am looking for better rate to renew my morgtage. Scotianbank offers 4.49% for 5 year closed rate. could any experts please predict whether mortgage rates still have large room to decrease? how many year rate should I choose? Thanks

 

[Timothy's]

Right now the 3 to 5 years fixed rate are very good. even better than before the crisis. very much at the same level of best time.

Only variable rate is bad. form -0.75 to + 0.75.

 

[mzhuang]

It is better to go for variable rate. I have 2.25 (5 years) from scotia bank right now. You can lock it to fix rate later, which can save your money because you have bigger loan in the early stage. I think the fix rate for 5 years will go to below 4.0 in near future.

 

[矛盾]

On Feb 5th, somebody got:
1. From TD: 4.2% 5 year fixed rate (post is 4.49%)
2. From ING: 3.99% 5 year fixed rate (post is 4.49%)

 

[gourmet]

2.25 %

我问了BROKER 说现在不可能了. 请问您什么时候拿到的? 和谁联系能得到这么好的价格.谢谢

 

[mzhuang]

The rate is based on prime rate of the bank - prime rate - 0.75. You can pay as much as you can but if you pay it out in one year, you have to pay fee. You can fix it any time. I have 3 mortgages that use the rate. I got them from:

Anita Lin anita.lin@scotiabank.com, 260-3318 (w), 731-4790 (m)

 

[mzhuang]

mention my name - minxia so she know what kind of morgage you are talking about.

 

[矛盾]

I think you got such rate at least half years ago.

The rate is based on prime rate of the bank - prime rate - 0.75. You can pay as much as you can but if you pay it out in one year, you have to pay fee. You can fix it any time. I have 3 mortgages that use the rate. I got them from:

Anita Lin anita.lin@scotiabank.com, 260-3318 (w), 731-4790 (m)

 

[xiaomei]

I called today, and they can provide me 3.75 for 3 year fixed.