2年和5年的房贷的不同？
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#1: Author: 风萧萧, Posted: 2014-4-11 21:02
贷款经理offer 2年，2.59%,5年3.09%
在我看来越低越好，再说现在满大街5年的2.99，我也没理由接受3.09
但是当他把文件拿给我签的的时候，赫然写着5年3.09%
我说当时我说了要最低的，几年不要紧
但是他解释说，如果审核两年的，需要根据什么bench mark
虽然给的是2点几的利率，但是要根据5点几的利率作为标准来审核我的资格，那么我的收入不合格
可是不是只有浮动的才那样审核？2年固定也要吗？
#2: Author: eeee1, Posted: 2014-4-11 21:38
是的，是算法有区别
#3: Author: 烟雨, Posted: 2014-4-11 21:54
多找几家。。。。
#4: Author: RBCJASONWANG, Posted: 2014-4-12 01:00
here is why,
1-4 yr fix rate （AND VAR. ) ---- 用的是较高的审批“理论”利息例如5%， 也就是说即使2年的利息是2.59， 在审批的时候还是按5%
来算。 而不是实际上的 2.59.
客户选择5年FIX 的话， 银行就可以按实际的利息计算，
例如， 您说的3.09.
那么， 问题就在这里： 假设客户收入是100，000
为了得到1-4年FIX (利息较低） ， 那么审批的金额就比较少
（因为是按5% 来审批的。 ）
要是用5年FIX RATE, 309， 那么审批的金额就比较多。
所以说 要看您的贷款额以及收入来做这个评估。
如果我申请的贷款额对于我的收入来说绰绰有余， 那么我的
选择很多。 1-5 FIX / VAR 都可以。
要是我的收入就不是很够， 希望最大程度的审批最大的贷款，
那就选择5FIX RATE.
#5: Author: RBCJASONWANG, Posted: 2014-4-12 01:04
www.bmo.com/home/perso...e-mortgage
满街跑的5YR 2.99 是有一定的条件限制，
Note: During the term of the 5 year low-rate mortgage and in the first 5 years of the 10 year low-rate mortgage, full repayment before maturity can only occur if the property is sold to an unrelated purchaser at fair market value or if the mortgage is refinanced into another BMO mortgage product. For the 10 year low-rate mortgage, the mortgage can be paid off without restriction in the last 5 years of the term. Prepayment charges will apply.
1The interest rate for a fixed rate mortgage is calculated half-yearly, not in advance. Interest rates are provided for informational purposes only and can change at any time without notice. These interest rates are not applicable to the Homeowner ReadiLine®.
†3.010% APR. Available on the 5-year fixed (closed) low rate mortgage. The Annual Percentage Rate (APR) is based on a $350,000 mortgage, 25 year amortization and an appraisal fee of $300, which may be required to complete your lending application. Mortgage funds must be advanced within 90 days from the date of application. Appraisal fees are subject to change. An increase in the appraisal fee may result in an increase to the APR. This offer may be changed, withdrawn or extended at any time without notice. Applications must be submitted by April 17, 2014 and are subject to meeting Bank of Montreal's usual credit criteria. Some conditions may apply. This special offer is not available for the regular 5-year fixed (closed) rate mortgage or the Homeowner ReadiLine®.
#6: Author: RBCJASONWANG, Posted: 2014-4-12 01:06
Choose this Mortgage if you want...
a simple, easy to understand mortgage with a great rate
to become mortgage free within 25 years
peace of mind knowing your rate will not rise during the term
want 10+10 pre-payment options that let you pay down your mortgage faster to budget with certainty, knowing that your mortgage payments won't change
#7: Author: RBCJASONWANG, Posted: 2014-4-12 01:09
- 估价300自己出 - 如果是DEAL 小的， 这个300元就影响利息。
实际利息就不是299
- 分摊期， 25 不是30. 对于想每个月少给的 ，不行。
- 没有信用额度，LINE OF CREDIT 对于想以后将还款的本金再拿出来而不要再审批的， 不行。
#8: Author: 风萧萧, Posted: 2014-4-12 02:05
谢谢各位的回复，特别是jason的长篇大论
你咋给bmo做起广告来了呢？
另外10+10 pre-payment options是神马意思？怎么就pay的快了呢？
#9: Author: _USER_NOW_DISABLED, Posted: 2014-4-12 09:21
 _BBCODE_WROTE: |
www.bmo.com/home/perso...e-mortgage
满街跑的5YR 2.99 是有一定的条件限制，
Note: During the term of the 5 year low-rate mortgage and in the first 5 years of the 10 year low-rate mortgage, full repayment before maturity can only occur if the property is sold to an unrelated purchaser at fair market value or if the mortgage is refinanced into another BMO mortgage product. For the 10 year low-rate mortgage, the mortgage can be paid off without restriction in the last 5 years of the term. Prepayment charges will apply.
1The interest rate for a fixed rate mortgage is calculated half-yearly, not in advance. Interest rates are provided for informational purposes only and can change at any time without notice. These interest rates are not applicable to the Homeowner ReadiLine®.
†3.010% APR. Available on the 5-year fixed (closed) low rate mortgage. The Annual Percentage Rate (APR) is based on a $350,000 mortgage, 25 year amortization and an appraisal fee of $300, which may be required to complete your lending application. Mortgage funds must be advanced within 90 days from the date of application. Appraisal fees are subject to change. An increase in the appraisal fee may result in an increase to the APR. This offer may be changed, withdrawn or extended at any time without notice. Applications must be submitted by April 17, 2014 and are subject to meeting Bank of Montreal's usual credit criteria. Some conditions may apply. This special offer is not available for the regular 5-year fixed (closed) rate mortgage or the Homeowner ReadiLine®.
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Jason你可以肯定的答 R B c 的条件不会比 B M 0这个更苛刻吗？
#10: Author: RBCJASONWANG, Posted: 2014-4-12 10:33
| hot girl _BBCODE_WROTE: |
| _BBCODE_WROTE: |
www.bmo.com/home/perso...e-mortgage
满街跑的5YR 2.99 是有一定的条件限制，
Note: During the term of the 5 year low-rate mortgage and in the first 5 years of the 10 year low-rate mortgage, full repayment before maturity can only occur if the property is sold to an unrelated purchaser at fair market value or if the mortgage is refinanced into another BMO mortgage product. For the 10 year low-rate mortgage, the mortgage can be paid off without restriction in the last 5 years of the term. Prepayment charges will apply.
1The interest rate for a fixed rate mortgage is calculated half-yearly, not in advance. Interest rates are provided for informational purposes only and can change at any time without notice. These interest rates are not applicable to the Homeowner ReadiLine®.
†3.010% APR. Available on the 5-year fixed (closed) low rate mortgage. The Annual Percentage Rate (APR) is based on a $350,000 mortgage, 25 year amortization and an appraisal fee of $300, which may be required to complete your lending application. Mortgage funds must be advanced within 90 days from the date of application. Appraisal fees are subject to change. An increase in the appraisal fee may result in an increase to the APR. This offer may be changed, withdrawn or extended at any time without notice. Applications must be submitted by April 17, 2014 and are subject to meeting Bank of Montreal's usual credit criteria. Some conditions may apply. This special offer is not available for the regular 5-year fixed (closed) rate mortgage or the Homeowner ReadiLine®.
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Jason你可以肯定的答 R B c 的条件不会比 B M 0这个更苛刻吗？
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hi,
这个是满地可银行的一个“特价” 所以加上这些条件，
这都是公开的，也没有什么可以隐瞒。
我想， 您在BMO做其他的贷款利息，1-4FIX/VARIABLE
NOT - LOW RATE 5YR 299,
就没有这些条件限制。
RB 现在没有这个MATCHING 的 OFFER
前1-2年BMO 做 299 时 RBC 也说可以做299
但是条件是一样 “苛刻” 但是目前没有MATCH.
反正看看清楚苛刻条款，了解了， 可以接受的话， 这个一个非常好的利息。
我上面已经讨论了，
比如说， 您的贷款很小，只有几万元， 这个 5YR 299 要那个300估价费；
那和其他OFFER 3.09 有什么区别 .
有的人注重还款后可以再通过LOC 拿钱出来用的， 这个也不好使。
等等。 等等。
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