[roxer]

還沒比較過其它的銀行，就問過BMO和RBC，好象RBC的rate要好些，但BMO那邊又說有20+20的優惠可以抵消利率上的劣勢，不知道該如何選擇，有什麼建議嗎？謝謝！！

[功夫茶]

同請壇中高人指點

[RBCJASONWANG]

20+20的優惠

也要有錢還才有用啊。。。
要不然再大的還款額度也沒有啊。

這一點並不成立。。。

www4.bmo.com/personal/...48,00.html

Increase Your Payments

With "20+20" Prepayment Privileges, you can save thousands of dollars in interest costs by making small increases in your mortgage payments and prepaying some of the principal.

The First "20": Increase Your Mortgage Payments
Increase your mortgage payment (principal and interest) by up to 20% over the current payment. This option can be exercised once each calendar year, at any time, without charge. *
* This prepayment privilege is non-cumulative.

The Second "20": Make Lump Sum Payments
Prepay up to 20% of the original mortgage principal each calendar year. * This option can be exercised in minimum amounts of $100 without charge, ［［［some conditions apply.］］］

*** 注意： some conditions apply

[小草莓]

我們就是用的BMO的20+20，除了每月固定付mortgage後，差不多每2，3個月我們就用第二個20一次性付，一年至少還能多付3-5次這些是直接從本金裡減的，這樣速度比正常的要快很多而且比較有靈活性，沒有余錢就不用付。另外這些20如果在你需要現金周轉的時候還可以問銀行拿出來又方便又有保障。對於我們家來說很合適。

[RBCJASONWANG]

compare,

The First "20": Increase Your Mortgage Payments
Increase your mortgage payment (principal and interest) by up to 20% over the current payment. This option can be exercised once each calendar year, at any time, without charge. *
* This prepayment privilege is non-cumulative.

----- rbc mtg uses "double up"
not 20% increase but 100% increase....
current payment 1000/m
u can increase it to 2000/m
1000 (principal + interest) + 1000 (all principal)



The Second "20": Make Lump Sum Payments
Prepay up to 20% of the original mortgage principal each calendar year. * This option can be exercised in minimum amounts of $100 without charge, ［［［some conditions apply.］］］

------ rbc one time lump.sum each year is only 10%


after all,

not a huge differences:::
rbc allows u to pay more each month,
bmo allows u to pay more as a lump.sum,