分享:交流一下最近贷款利率的经验

[mzhuang]

I got the this type of martgage last May and 3.5 years ago as well. I am not sure if the bank still provide this kind of Mortgage. Please call Anita to find out.

 

[mzhuang]

I got this kind of martgage last May and 4 years ago as well. I am not sure if the bank still provide this kind of mortgage. Please call Anita to find out.

 

[Timothy's]

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)

You can't get them anymore. the best you can get now is prime +0.5

 

[LaoNi]

Yeah, no bank will provide prime minus on any mortgage now.

 

[wildLily]

在多伦多论坛看到有人说5年固定可以拿到3.65%

在多伦多论坛看到有人说5年固定可以拿到3.65%

非常感谢，能给一个链接吗或关键词什么的线索吗

 

[camelie]

非常感谢，能给一个链接吗或关键词什么的线索吗

代问一下，多伦多论坛的网址是什么，也想去看看。

 

[moose]

JUST CONTACT INGDIRECT, TD, SCOTIA BANK TODAY. NO BANK CAN PROVIDE 5Y FIXED <4%. SOME SMALL FINANCIAL INSTITUATIONS HAVE BUT NOT SURE IF RELIABLE. ANYONE HAS GOOD NEWS?
THANKS

 

[矛盾]

I do not think you can get the best rate by asking. You have to give them the competition mode. I will contact my bank soon and I will let you know the result.

JUST CONTACT INGDIRECT, TD, SCOTIA BANK TODAY. NO BANK CAN PROVIDE 5Y FIXED <4%. SOME SMALL FINANCIAL INSTITUATIONS HAVE BUT NOT SURE IF RELIABLE. ANYONE HAS GOOD NEWS?
THANKS

 

[矛盾]

Posted rate from Scotiabank.
Special OffersSave Now, Save Later Mortgage ( i think it is for 1 year(

3.50%1​

4 Year Closed Term Fixed Mortgage*

4.39%2​

5 Year Closed Term Fixed Mortgage 4.49%

 

[moose]

Posted rate from Scotiabank.

Special OffersSave Now, Save Later Mortgage ( i think it is for 1 year(

3.50%1​

4 Year Closed Term Fixed Mortgage*

4.39%2​

5 Year Closed Term Fixed Mortgage 4.49%

1year save now and save later rate is attractive, but if you choose it then you are "locked" with scotia

 

[moose]

Some bankers said the prime rate will go down again in March. Any news?

 

[矛盾]

If I understand correctly, ror 1 year term, You can move to other banks in 6 months for next renewal.

1year save now and save later rate is attractive, but if you choose it then you are "locked" with scotia

 

[LaoNi]

If I understand correctly, ror 1 year term, You can move to other banks in 6 months for next renewal.

I don't think you can move to other banks in 6 months because it is a 1 yr fixed rate closed term. You can only lock in to a 5yr with Scotia after 6 months.

 

[Timothy's]

Some bankers said the prime rate will go down again in March. Any news?

May be , but bank of canada overnight rate already at 1%. There is little room to low. prime rate usually is overnight rate + 2%. The prime rate probably is at lowest point.

 

[矛盾]

Yes. You can. You can renew it before 6 months without fee and penality. Check your agreement details or ask your bank. I am not sure this is the law or bank's agreement, though. By the way, I am with Scotia bank.

I don't think you can move to other banks in 6 months because it is a 1 yr fixed rate closed term. You can only lock in to a 5yr with Scotia after 6 months.