房贷尾款如何处理

ywq22000 · 发表于 2015-3-21 18:34

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 · 发表于 2015-3-21 23:12

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.
If you need more details, text me (780) 909-2588. congratulations, and you are getting rich!!! not a Negative Weng.

summer2008 · 发表于 2015-3-22 07:23

2年2.34%的利率是open还是close的?能提前还款吗？

newhouse · 发表于 2015-3-22 12:13

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。

fujian · 发表于 2015-3-24 10:59

Edmontonian18 · 发表于 2015-3-25 02:05

我有个想法，不懂可行吗？
. s* u- A( v( }% Y- Y5 [5 l) ~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。

Mortgage 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 · 发表于 2015-3-25 08:29

有现金，就直接还了算了。

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