房贷尾款如何处理

ywq22000

贷款合同将在8月1日到期了，预计到期时还剩$2万左右的贷款，如果续签合同担心数额太小，银行不给好的利率。可不可以到时一揽子还清不再贷了。请朋友们给些建议。一般提前多长时间找银行谈呐？谈新利率时，我们手里能有什么牌可以让银行给好的利率呢？先谢了。

Edmontonian18

At the time of maturity, if you have cash, you can pay the bank out right whatever amout you owe. And then you ask for the discharge document. Some bank will charge you now, check your mortgage documents terms and fees.                    If you don't have cash, I believe that for only $20K, you may get 2.34% for 2 year term.   One year term rate is extremely high because of the high admin cost.
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summer2008

2年2.34%的利率是open还是close的?能提前还款吗？

newhouse

我有个想法，不懂可行吗？
6 Y) ~( F% n( Y; L/ Z! x$ n如果预计很快就能还完又不想继续mortgage，就从line of credit拿2万出来还mortgage。然后你就还line of credit就行了。

fujian

Edmontonian18

我有个想法，不懂可行吗？
如果预计很快就能还完又不想继续mortgage，就从line of credit拿2万出来还mortgage。然后你就还line of credit就行了。

4 H3 X% M' W5 A9 M. |5 |* w0 gMortgage is in average, 0.80 - 1.00% cheaper than a secured credit line. Call me 780-909 2588  if you want to using financing to reach your goals.

卓越地毯清洗

有现金，就直接还了算了。