大家现在拿到的贷款利率是多少？

[j2me_ottawa]

这里有谁能给我推荐个合适的mortgage deal啊。我到现在一个bank还没谈，想先看看大家拿到什么deal

 

[yanxi-guo]

我的房9月1号才交房，现在作那种保证120天的没有用吧，Scotiabank提供了一个保证1年的利率4.49% Fixed (9月1号前120天，如果Scotiabank当时的利率更低，就按当时的利率算）。像我这种情况怎么办最好呢？谢谢！

 

[jmm]

as long as you didn,t sign with them or even you signed still can break if it is pre-approval, just hold rate for you , means nothing else, except you have solid purchase aggreemnet, will MAKE BIG DIFFERENT. maybe you can get better rate

 

[苦逼热狗]

any quick closing will get you better rate. high credit score report will get you better rate. pre-approval without writing proof is nothing.

 

[yanxi-guo]

Thank you jmm & 热狗!

since my case seems not the "quick closing", should I wait till May/3rd (4 months before closing) to sign the "solid purchasing agreement"? Does everyone here have the "quick closing"?

 

[jmm]

you can hold the solid purchase agreement, send the info to the broker, tell them you are waiting for quick closing, they will hold your info till that time coming, or you couild do pre-approval with the rate, then before 30 days coming, the real approval, just maybe that toime is busy, you have to waiting longer time than usual, i talked Jennifer Xie she gave the good deal, her # is 8518807

 

[jmm]

3.69% 5 years fixed rate, 20%|25% preliage

 

[informationseeker]

Where did you get the 5-year term at 3.69%? Brokers or banks?

 

[linna]

Find a very low interest rate from a small brocker, then go to a big bank to negociate with them. You can get rate a lower than prime for variable.

 

[linna]

You caan get it from a big bank if you negociate with them with than rate. I got it anyways.

 

[jmm]

everybody get lower variable than prime, i talked to broker, she give me the rate lower than the branch, and her service is much more better than bank. personal experience.

 

[J.K.]

Is there only one rate at one bank at one time?
Can you get the different rate from the different officer in one bank?

Thank you very much for any input.

 

[ottawawind]

each bank usually has a posted rate, but I guess each mortage specialist can have different discount rate.

Is there only one rate at one bank at one time?
Can you get the different rate from the different officer in one bank?

Thank you very much for any input.

 

[yuyuyuyu]

5 年 3.65 BMO, 蔡敏

 

[hdk1112]

5 年 3.65 BMO, 蔡敏

我们也是，强力推荐