大家现在拿到的贷款利率是多少？

[vivi567]

要买房了，想问一下大家现在拿的贷款利率是多少呀？提前谢谢了！

 

[tony_yt0]

same question

Can any one help?Thank you very much.

 

[xianjohn]

3.05 - open variable;
3.15 - 2 year term;
3.50 - 3 year term;
3.85 - 4 year term;
3.94 - 5 year term.

 

[ccc]

3.05 - open variable;
3.15 - 2 year term;
3.50 - 3 year term;
3.85 - 4 year term;
3.94 - 5 year term.

What is an open variable rate? Can one have a five-year variable term?

 

[xianjohn]

What is an open variable rate? Can one have a five-year variable term?

The difference between an open variable mortgage and a closed variable mortgage lies mainly in its payment terms. An open mortgage allows the borrower to pay it off any time, without penalty. On the other hand, closed mortgages refer to a locked system, where you are committed for a certain period of time. Yes, one can have a 5-year variable term. However, it does not give you the freedom to negotiate or refinance the mortgage before the end of its tenure (i.e. 5 years).

 

[ccc]

could you advise which bank give you these rates? it is quick closing? can the bank hold the rate for 12 months?

Thanks for your kindly information.

Maybe for only 1-2 months, I heard.

 

[xianjohn]

could you advise which bank give you these rates? it is quick closing? can the bank hold the rate for 12 months?

Thanks for your kindly information.

For 3-year term, from TD Bank. The rest of the rates are available from Scotia Bank. You could do a pre-approval and it is valid for 3 months at Scotia Bank or 4 months at TD Bank. If any difficulties, send me an email with your phone #, and I'll let the banker call you (note: both Scotia bank and TD bank managers can speak Chinese. It is easy to communicate). Good luck.

 

[tony_yt0]

I asked TD, Scotia Bank, they told me :

3Y---3.15
5Y---3.89

Any one got others?

 

[Monkey In Forest]

Could you tell when did you get this?
How long can the rate be holded?
Whom to contact?

Thanks.

I asked TD, Scotia Bank, they told me :

3Y---3.15
5Y---3.89

Any one got others?

 

[tony_yt0]

Could you tell when did you get this?
How long can the rate be holded?
Whom to contact?

Thanks.

TD: Dan Kosabek, tel:613-2909109
(120 days)
Scotia: Antia Lin 613-260-3318 (Chinese)
(120days)

However, I suggested you to find a Chinese person in TD, why don't we give an opprtunity to our Chinese? it is also good for ourselves, the COMMUNICATION!!

I didn't search for this yet, if you want , I believe you can find a Chinese on TD website. Don't forget update it here .

 

[Monkey In Forest]

Thanks a lot.

TD: Dan Kosabek, tel:613-2909109
(120 days)
Scotia: Antia Lin 613-260-3318 (Chinese)
(120days)

However, I suggested you to find a Chinese person in TD, why don't we give an opprtunity to our Chinese? it is also good for ourselves, the COMMUNICATION!!

I didn't search for this yet, if you want , I believe you can find a Chinese on TD website. Don't forget update it here .

 

[ottawa-hull2009]

1.95 - open variable Desjardins

 

[june26]

5yr fixed 3.84 from Scotia: Antia Lin 613-260-3318

 

[l'hiver]

1.95 - open variable Desjardins

Are you serious? what's the term of this open variable rate? Could you please provide the contact person. Thanks!

 

[苦逼热狗]

Broker A:
4 year 3.5% rate for quick closing
Broker B:
5 year 3.79% rate with 15% pre-payment privileges
5 year 3.69% rate with 5%/5% pre-payment privileges (no frills)