[champion]

如果broker和银行给的mortgage rate都一样。。。。。你们用那个？

有时发现，broker也不是总能给你找到好的rate...

[Emirato]

银行

同样的情况下跟银行建立良好的关系，会让你受益更多。
现在和将来。

如果贷款金额足够大，你享受的银行服务就会更好。

[RBCJASONWANG]

很简单，那就打给我啊？：）

再送您一本rbc中文挂历 ：）

[网特]

RBC的中文挂历挺漂亮的，现在就挂在办公室里。

[newhome_buyer]

It looks like everyone recommended Bank, why you guys don't like brokers?

Generally, I think broker should get better rate than banks

[sunguru]

Emirato _BBCODE_WROTE:

银行 同样的情况下跟银行建立良好的关系，会让你受益更多。 现在和将来。 如果贷款金额足够大，你享受的银行服务就会更好。

这是肯定的

要是贷几个亿，估计银行能给贷款人配保镖了。

[garygao]

地产局规定我们:

如果介绍银行，要介绍三个；

如果介绍Broker，介绍一个就行了。

[阿贵]

别忘了，贷款经济和地产经纪一样都会给回佣的哦~~~~~~~

[Emirato]

回佣是小事情。顶多是个介绍费。

关键是你以后都要和银行打交道，

花了钱，为什么不建立起一个自

己的银行渠道和关系。

以后对你再次贷款（你在银行就有了好的CREDIT），

和办理其他业务都有好处。

[RBCJASONWANG]

HERE IS WHAT YOU SHOULD UNDERSTAND,

BROKERS DON'T LEND YOU THEIR OWN MONEY, OR, THEY DON'T HAVE MONEY TO LEND YOU. THEY LEND YOU "BANKS" MONEY TO YOU AND TAKE A COMMISSION FROM BANKS/LENDERS.

SO,

THERE'S NO REASON THAT THE BANK CANNOT OFFER YOU THE RATE DIRECTLY; (AND, BANK DON'T EVEN HAVE TO PAY BROKER FEE, RIGHT? MAKE SENSE?).... BROKER GETS A "BETTER/WHOLE.SALE" RATE B/C THEY "PROMISE" LENDERS CERTAIN AMT OF BUSINESS EACH YEAR.

THIS IS THE WORKING RELATIONSHIP BETWEEN THE BROKER/LENDER/CLIENTS.

AS FOR RATES,
I WILL SAY RBC CAN MATCH SOME BROKER RATES BUT A BANK WILL NEVER BEAT "ALL" THE RATES OUT THERE........

*** BROKER ADVANTAGE: IF YOU GET DECLINED BY ONE LENDER, HE/SHE CAN TRY A DIFFERENT LENDER FOR YOU NO G'TEED THE OTHER LENDER WILL WORK IT OUT FOR YOU; AT LEAST, YOU DON'T HAVE TO SUBMIT YOUR APPLICATION YOURSELF. IE, I ONLY WORK FOR RBC, IF RBC CREDIT CENTER DECLINE YOUR APPLICATION, I CANNOT AND WILL NOT SEND YOUR APPLICATION TO TD/BMO..ETC ETC FOR YOU. YOU HAVE TO DO IT.

*** BANK ADVANTAGE (OTHER THAN RATES),
HAVING A MTG IS JUST PART OF YOUR OVER ALL FINANCIAL PLANNING, BANK CAN QUICKLY BUILD A "OVERALL" SOLUTION FOR YOU..... ACCT/VISA/MUTUAL FUNDS/STOCKS, LIKE AN ONE STOP SHOP...............

AFTER ALL, IT'S ABOUT PERSONAL EXPERIENCES.
YOU MAY WORK A GREAT MTG BROKER AND EVERYTHING WORKS OUT FINE...... YOU MAY ALSO FIND A GREAT MTG SPECIALIST W/ THE BANKS.....
SO,,, IT'S ABOUT WHO YOU GET IN THE PROCESS.