最优利率推荐-JAN. 26. 2016

郭森房贷 · 发表于 2016-1-26 11:11

加拿大央行暂时没有变动基准利率，某些银行和金融机构又调整了相关利率，推荐几款靠谱的房贷利率计划给大家，如果您需要了解更多详情，请微信或电邮或来电咨询（联系方式在此贴底部签名处）。

浮动利率：

三年浮动封闭型（3 YEARS VARIABLE CLOSED）2.25% OR P-0.45%-90天利率保障(90 DAYS RATE HOLD)

*五年浮动封闭型（5 YEARS VARIABLE CLOSED）2.25% OR P-0.45%-有少许条件限制-90天利率保障(90 DAYS RATE HOLD)

固定利率：

五年固定：2.64%- 必须在今年三月底前用之

*五年固定： 2.59%-有少许条件限制-45天利率保障(45 DAYS RATE HOLD)

四年固定：2.59%-90天利率保障

三年固定：2.44%-90天利率保障

两年固定：2.24%- 120天利率保障

*提前还款需交付贷款余额的2.75%作为处置费用。

prouddolphin · 发表于 2016-1-27 21:49

谢谢，顶

formular · 发表于 2016-1-27 22:07

郭森房贷 · 发表于 2016-1-28 08:15

两年固定利率从今天起下调至2.19%

醉酒当歌 · 发表于 2016-1-28 09:46

郭森房贷发表于 2016-1-28 08:15% Z; g/ F, o& t, ?/ w! Z
两年固定利率从今天起下调至2.19%

是大银行吗？

formular · 发表于 2016-1-28 19:58

郭森房贷发表于 2016-1-28 08:155 X x3 r$ n1 G! [8 k
两年固定利率从今天起下调至2.19%

多洛洛-JE · 发表于 2016-1-28 22:52

醉酒当歌发表于 2016-1-28 09:46" ^" w. N$ ], B+ Z% \( k
是大银行吗？

是不是大银行有什么关系是他们借钱给你他们担风险又不是你担风险

醉酒当歌 · 发表于 2016-1-29 08:50

多洛洛-JE 发表于 2016-1-28 22:52
8 Y& Z7 ]+ c6 `9 C8 [是不是大银行有什么关系是他们借钱给你他们担风险又不是你担风险

你若0首付我认同，估计你不是，所以你有不少钱在里面，若破产你首付归零。这是风险。

多洛洛-JE · 发表于 2016-1-29 09:05

醉酒当歌发表于 2016-1-29 08:50
' D6 `. V5 b9 W+ ]( H i* l你若0首付我认同，估计你不是，所以你有不少钱在里面，若破产你首付归零。这是风险。

破产也会有别的公司接手呀

醉酒当歌 · 发表于 2016-1-29 09:58

多洛洛-JE 发表于 2016-1-29 09:05& _: V0 O6 _7 E* j5 i3 i- d, J
破产也会有别的公司接手呀

破产了没钱了接收有啥用？破产时优先偿还大债主，首付就没了。

多洛洛-JE · 发表于 2016-1-29 15:17

醉酒当歌发表于 2016-1-29 09:584 F) ]- k# D0 }4 Y+ ]
破产了没钱了接收有啥用？破产时优先偿还大债主，首付就没了。

Many second- and third-tier lenders get their funding from large financial institutions and that funding is fairly stable, Mr. Bozic says.

“Even if a company were to run into financial difficulties, the vast majority of the time there are backup servicers in place.” This sort of contingency planning is almost always required by the parties funding a lender’s mortgages.

If a lender were to close, Mr. Bozic says another financial institution would simply take over the mortgage.

When a lender sells your mortgage to another party, you just keep making the same payments like nothing happened – albeit to a different company, in some cases. The new lender is generally required to honour the terms of your old mortgage contract, Mr. Bozic says.

The one thing that will change is the renewal offer you receive at maturity. Generally, the new owner of your mortgage will be the one making your renewal offer. That could be good or bad depending on how competitive the new lender is. But smart consumers always shop their lender’s renewal offer anyway, so this isn’t a major issue.

Overall, the probability of a lender disappearing is low. On its own, it’s not enough reason to avoid a less prominent company.

That’s especially true when the lender has the best deal in the market – which is the case with many smaller lenders today. If you can find a 0.10 percentage point lower rate, you’ll save roughly $1,200 over 60 months on a standard $250,000 mortgage.

If you’re interested in getting the best rate possible, you need to be open to saving money with a smaller mortgage company. Just be sure to get independent advice so you can sidestep the ones with onerous contract restrictions. Examples of those include fully closed terms, costly penalty calculations, porting restrictions, refinance limitations, and so on. Some lenders have rather unpleasant fine print, but that’s true for micro and mega lenders alike.

网上摘抄

多洛洛-JE · 发表于 2016-1-29 15:26

本帖最后由多洛洛-JE 于 2016-1-29 15:29 编辑

我不是broker，我个人认为小lender没什么风险。因为mortgage可能是lender们最赚钱的assets，肯定有别的公司愿意接手。就像网上有人解释的，borrower还是一样还款，不过renew的时候就要和这个新接手的lender重新谈deal了。希望楼主来专业解释一下，如果mortgage lender 破产对borrower到底有什么影响。

醉酒当歌 · 发表于 2016-1-30 10:57

多洛洛-JE 发表于 2016-1-29 15:26& R+ C' H1 x. s q* R/ S
我不是broker，我个人认为小lender没什么风险。因为mortgage可能是lender们最赚钱的assets，肯定有别的公司 ...

问过broker, 他沒否认我的说法。

多洛洛-JE · 发表于 2016-1-31 20:18

醉酒当歌发表于 2016-1-30 10:57
; H1 A! s" [# }7 G+ L2 G# {问过broker, 他沒否认我的说法。

如果是这样的话，那把房子卖了，拿到全款，也不用还欠lender的钱了

北雪儿 · 发表于 2016-2-1 18:53

我想问一下,renew 的可以提前多长时hold 利率,谢谢

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