Topic: 正在购房，为选择Mortgage挠头。3年closed4.75%，还是选择浮动利率（now about 3%), 还有更好的吗? @卡尔加里华人论坛:卡尔加里枫下论坛 The Rolia Forum of Calgary

枫下家园 / 住房话题 / 正在购房，为选择Mortgage挠头。3年closed4.75%，还是选择浮动利率（now about 3%), 还有更好的吗? -smile-li(ilovepotato); 2002-1-28 (#350365@0)

I read this in one of Rolia's Hot Zones: #343443 -honda_odyssey(赶英超美); 2002-1-28 (#350373@0)
这看你风险承受能力和对将来利率的预测. 如果你预期未来3年利率不会超过4.75%, 当然选择浮动的. 另外假设浮动利率高于4.75%了, 根据你的收入情况, 有没有可能每月PAY不出那么多钱? 如果是, 就选固定的. -zjoy(Joy); 2002-1-28 (#350375@0)

There is expected to be another cut-off of mortgage rate early this year. Thus, it'd not be a bad time to lock your variable rate into conventional one. -pitbull(硬頸); 2002-1-28 (#350443@0)

你是说先按可变利率贷款，因为可以随时转到term(5yr),等今年利率再跌时，再转closed term, 我的理解对吗？ -smile-li(ilovepotato); 2002-1-28 (#350455@0)

问题是当variable rate 降低时, conventional rate 有可能升高. -pixiwa(pixiwa); 2002-1-28 (#350468@0)

今天TD 提高利率了，迫使我要尽快作出选择：1yr vs 3 yr/5yr, and fixed vs variable. Any advise? -smile-li(ilovepotato); 2002-1-28 (#350509@0)

Smart and comprehensive reading... However, there was one word missing from my sentence: "NOW". No one, at least not me, can precisely tell whether/when there will be another decreasing. -pitbull(硬頸); 2002-1-28 (#350522@0)

Fixed-term seems to be a litttle bit secured with additional cost. I would prefer to fixed-term now, then how about 4.75% for 3yr term or 5.6% for 5yr term? -smile-li(ilovepotato); 2002-1-28 (#350609@0)

找哪家银行都好，就是别找HSBC，我是绝对不会再给他们任何一笔生意了，也劝谕所有我的朋友。 -lmx(Robin); 2002-1-28 (#350456@0)

up -smile-li(ilovepotato); 2002-1-28 (#350712@0)
It is done. I got the mortage from TD, it is 5-yr closed variable rate ( primerate-0.75%), which is 3% now.TD's rate is pretty good, but I am not satisfied with the service of the broker, who got it done just 2 days before the closing day.

By the way, I would recommend CIBC's variable open rate ( primerate-0.5%) too. And Mrs. Zhu, the CIBC broker, is very nice and helpful, her contact is 905-882-6222. -smile-li(ilovepotato); 2002-2-22 {302} (#377263@0)

@Calgary