[玄武六]

Several of Canada's big banks announced increases in their residential mortgage rates effective Tuesday.

Royal Bank, TD Bank and Laurentian Bank all raised the posted rate for a five-year fixed-rate mortgage by 0.15 percentage points to 5.54 per cent.

Royal Bank raised its special offer rate for a five-year mortgage by 0.15 percentage points to 4.39 per cent, while TD and Laurentian raised their special offer rates for a five-year fixed-rate mortgage by 0.15 percentage points to 4.29 per cent.

Most other special and fixed rates at the banks were also going up between 0.10 and 0.15 percentage points.

Fixed-rate mortgage rates are affected by the cost of borrowing in the bond market, where banks finance their home loan lending.

[3M]

打压房市？

[RBCJASONWANG]

FIX RATE WENT UP A LITTLE BIT,

打压房市？NO,

SIMPLY BECAUSE COST (BOND)

WENT UP.

[焱焱猫猫]

3-year fixed现在多少？

[garygao]

_BBCODE_WROTE:

FIX RATE WENT UP A LITTLE BIT, 打压房市？NO, SIMPLY BECAUSE COST (BOND) WENT UP.

想问Jason夫妻二人一个是永久居民，一个放弃了永久居民，银行放贷时
可不可以同时考虑两个人的收入，还是只能考虑永久居民那个的。

[RBCJASONWANG]

可不可以同时考虑两个人的收入，

IT DEPENDS ON WHOSE INCOME WE ARE USING TO QUALIFY,

IF WE ARE USING THE INCOME IN CHINA,
IT WILL BE A NON/RESIDENT DEAL, WHICH REQ. 35% DOWN, AND BANK REF LETTER (FROM CHINA) ETC ETC.

IF WE ARE USING THE INCOME HERE IN CANADA, IT WILL BE A REGULAR MTG
PROGRAM, 20% DOWN, MOST LIKELY...

IF WE TRY TO POSITION BOTH, LIKE 1/2 FROM CHINA 1/2 IN CANADA, I DON'T KNOW WHICH PROGRAM WE WILL GO UNDER, BUT RBC WILL CONSIDER IT BASE ON OVERALL APPLICATION.

WE ARE STILL GOING BACK TO - HOW IS THIS CLIENT GOING TO MAKE THE PAYMENT?

INCOME IN CHINA? NO PROBLEM, HOW MUCH INCOME?　 DO YOU HAVE DOCS TO SUPPORT THE CLAIM? DO YOU HAVE ADDITIONAL SAVINGS AFTER DOWN　PAYMENT?

SOURCE OF THE INCOME COULD BE AN ISSUE, BUT MOST IMPORTANTLY,
HOW MUCH INCOME?　CAN WE VERIFY THIS?
LOCAL INCOME IS SOLID, EASY TO VERIFY;
OFFSHORE INCOME, HARD TO SAY,
I'D PREFER YOU HAVE ADDITIONAL SAVINGS - AFTER THE DOWN PAYMENT.