B bcsliao 新手上路 注册 2010-12-09 消息 15 荣誉分数 1 声望点数 13 2010-12-09 #2 feiya 说: 请问，哪家的mortgage rate 最好？请推荐。 谢谢 点击展开... find a broker.
P pyottawa 新手上路 注册 2010-08-12 消息 69 荣誉分数 2 声望点数 18 2010-12-10 #3 直接找銀行的Mortgage Specialist 比找 Broker 可以有更好的rate. 不要理會貼在銀行網站的mortgage rate, 那只是Posted rate, Mortgage Specialist會offer 你 discount rate. 不要只跑到銀行裏隨便找 Financial Advisor 問, 他們offer 不到同一間銀行Mortgage Specialist offer 的 discount rate. 另外, Mortgage Specialist不一定要在Ottawa, 同樣可以服務你. 你又可以去http://www.lowestmortgagecanada.com/ottawa http://www.valueland.ca/english/index.html 比較一下, 再同個Mortgage Specialist negotiate. 有些 Broker offer 的 rate 有可能更低, 不過有些銀行沒有Double Payment 或 annual lumpsum payment option, 所以不一定rate越低越好, 要看你自己的情況而定. 我推薦 baljit.kaur@td.com 同 Harvinder.Arnej@bmo.com. 我最後用BMO因為如果我要借回已付的Mortgage payment, BMO 只收 Prime + 0.5%, TD 要 Prime + 1.0%. 兩家offer給我的rate基本上是一樣, 所以我買個保障安心.
直接找銀行的Mortgage Specialist 比找 Broker 可以有更好的rate. 不要理會貼在銀行網站的mortgage rate, 那只是Posted rate, Mortgage Specialist會offer 你 discount rate. 不要只跑到銀行裏隨便找 Financial Advisor 問, 他們offer 不到同一間銀行Mortgage Specialist offer 的 discount rate. 另外, Mortgage Specialist不一定要在Ottawa, 同樣可以服務你. 你又可以去http://www.lowestmortgagecanada.com/ottawa http://www.valueland.ca/english/index.html 比較一下, 再同個Mortgage Specialist negotiate. 有些 Broker offer 的 rate 有可能更低, 不過有些銀行沒有Double Payment 或 annual lumpsum payment option, 所以不一定rate越低越好, 要看你自己的情況而定. 我推薦 baljit.kaur@td.com 同 Harvinder.Arnej@bmo.com. 我最後用BMO因為如果我要借回已付的Mortgage payment, BMO 只收 Prime + 0.5%, TD 要 Prime + 1.0%. 兩家offer給我的rate基本上是一樣, 所以我買個保障安心.
F feiya 知名会员 注册 2006-07-25 消息 118 荣誉分数 1 声望点数 178 2010-12-10 #4 Thank you Thanks for your kind advice. I also like to know how much did you get for the fixed rate 3 years or 5 years? I don't know fixed rate or variable one, whuch is better? Thanks
Thank you Thanks for your kind advice. I also like to know how much did you get for the fixed rate 3 years or 5 years? I don't know fixed rate or variable one, whuch is better? Thanks
