大家现在拿到的贷款利率是多少？

[*#06#]

can we provide the name of the broker?
btw, what does the pre-payment privileges mean?

 

[苦逼热狗]

Which broker were you referring to?
pre-payment privileges : http://lmgtfy.com/?q=pre-payment+privileges

 

[苦逼热狗]

It's a privilege that allows you to pay up a portion of mortgage principal monthly or annually without receive any penalty.
You can use this mortgage calculator to investigate how much can you save with a pre-payment plan.
I also have an excel file for calculating Variable Mortgage, which is an excellent tool to understand how much better off / worse off to get a fixed/variable rate at the current time.
http://www.fcac-acfc.gc.ca/iTools-iOutils/MortgageCalculator-eng.aspx

 

[iceray]

热狗，那你认为现在什么利率最好呢？ 用variable还是fixed呢？

 

[苦逼热狗]

个人认为能拿到3.8-3.9%左右的利率的话其实跟variable差不多
假设目前2.25的利率保持1年时间，1年以后每个月增长0.25%，最高限额为7.5%(按照近10年以来的所有variable利率的历史几率而来)
基本上到最后2个都是一样的，甚至fixed还能多交点principal.

ARM计算器: http://www.vertex42.com/ExcelTemplates/arm-calculator.html

当然了，variable的rate不可能1年以内都一直会保持在2.25，也不可能会一直保持在7.5%，我估计只会在5-6%左右浮动。这个东西看个人，很多人希望知道自己每个月交多少钱，这样的适合固定利率。很多人能承受风险，承受利率浮动的刺激，这些人更适合浮动利率。

 

[jcmlxbye]

Can you tell the name of broker B. thanks.

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)

 

[苦逼热狗]

Can you tell the name of broker B. thanks.

PMed，不过那个rate都是2,3个星期前的rate，现在可能没了，你自己问问吧

 

[brandnew]

rate

http://www.ratesupermarket.ca/mortg...iod=15&company_type=&submit1=Update&x=36&y=12


Rates updated: January 29, 2010 09:30

Results include the best mortgage rates from the top lenders and brokers in Canada

Tick up to 3 providers
​

Company

​

Mortgage rate

​

Mortgage payments

​

Rate type

term
​

Company
type

​

Details &
offers​

Get rate​

1.85%
​

$954.45
​

Variable
closed
3
​

Mortgage Broker
​

​

2.00%
​

$964.69
​

Variable
closed
5
​

Mortgage Broker
​

25% annual pre-payment

​

2.05%
​

$968.12
​

Variable
closed
5
​

Bank
​

​

2.05%
​

$968.12
​

Variable
closed
5
​

Mortgage Corporation
​

​

2.15%
​

$974.99
​

Variable
closed
5
​

Mortgage Corporation
​

​

 

[brandnew]

rate

aaa

 

[jmm]

5 years fix @ 3.83% or lower, depands how long for the closing date.

 

[jmm]

100% 同意热狗急跳墙的意见, go fixed rate or variable, total up to yourself. 我个人倾向fixed rate

 

[MoveOttawa]

Montreal 的利率好低啊! 还有现金返还!!!!

Montreal 的利率好低啊! 还有现金返还!!!!

Montreal 的利率好低啊! 还有现金返还, 谁想去那儿做? 或者和这里的银行好好谈谈?
http://www.sinoquebec.com/bbs/showth...=694286&page=2


2 specific cases and contacted one of them


Case 1:

个人认为，如果房子买好，定下过户日期之后再谈利率会拿到更好的。
我打算买房的时候和银行只谈到3.85%，等定下了房子再去谈的时候每一家都会给的更优惠一些。

目前我拿到的贷款利率是
3.6% 5年固定 BMO银行 + 500刀的公证费
3.63% 5年固定 劳伦特银行 + 600刀的公证费
可供大家参考。

Case 2:
deajardin 2年最低2.55～3年3.15（最少贷款17W5）现金返还$850，但是不对新移民，适合有工作的！

 

[jmm]

Jennifer Xie mortgage agent
613-8518807 i got info from her veru nice lady!

 

[iceray]

how did you get this? In Ontario or Quebec?

目前我拿到的贷款利率是
3.6% 5年固定 BMO银行 + 500刀的公证费

 

[j2me_ottawa]

how did you get this? In Ontario or Quebec?

目前我拿到的贷款利率是
3.6% 5年固定 BMO银行 + 500刀的公证费

能不能把你的mortgage的banker推荐给我呢。谢谢