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枫下家园 / 住房话题 /
tor
各位坛子里已经买房的的DX，请问你们都是在哪个银行做的MORTGAGE，满意吗？多谢提点。
-olivia1998(olivia);
2002-1-31
(#353563@0)
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Canada Trust. March,2001. 6.01%, good.
-holly999(holly);
2002-1-31
(#353570@0)
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您这6。01 是几年的利率？
-olivia1998(olivia);
2002-1-31
(#353833@0)
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HSBC特讨厌，小心陷阱
-lmx(Mashimaro);
2002-1-31
(#353579@0)
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我用过两家银行。感觉提供的贷款内容都大同小异。除了服务态度有时有区别。主要是1）自己最好懂一点，钻研一下，这样可以知道自己要什么。2）道听途说的，或胡夸海口的，都不要轻信。3）学会SHOP AROUND，多比较细节。值得注意的是，银行对新顾客一般会OFFER好一点的DEAL，对老顾客却不太上心。所以等RENEW时，换一家银行常能拿到好OFFER。。
-x2000(围城专家);
2002-1-31
{115}
(#353591@0)
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专家，请问新顾客和老顾客是相对什么而言的？开户？还是是否谈过贷款？
-olivia1998(olivia);
2002-1-31
(#353835@0)
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如果你正在用A银行的贷款，你就是A的老顾客。如果B银行想拉你过来，你就是B的新顾客。这里都指贷款，与户头无关。
-x2000(围城专家);
2002-1-31
(#353843@0)
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还有一个幼稚问题：RENEW一般是在什么时候？
-olivia1998(olivia);
2002-1-31
(#353860@0)
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贷款到期的时候，需要重新签约。称为Renew。如：X年FIXED TERM MORTGAGE，X年后就到期。
-x2000(围城专家);
2002-1-31
(#353872@0)
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那么在自己的开户行申请房屋贷款有可能比其他银行优惠吗？
-olivia1998(olivia);
2002-1-31
(#353877@0)
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up
-olivia1998(olivia);
2002-1-31
(#353887@0)
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UP
-olivia1998(olivia);
2002-1-31
(#353900@0)
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Not necessarily true. // Contact a banker for your mortgage and ask questions. It will be much better than just raising ad hoc questions here. You need some basic concept about mortgage first.
-linmeimei(林妹妹);
2002-1-31
(#353901@0)
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俺想先在这里问问大家，因为老是感觉申请贷款很乱，陷阱很多。问完了心里有点谱儿了再和银行联络。之后再回坛子咨询。林妹妹好厉害啊。。。。
-olivia1998(olivia);
2002-1-31
(#353904@0)
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Sorry if I scare you. I feel much better after I finish talking with a personal banker about mortgage. There is no obligations of the talking. That is what I really mean. Shop around and good luck! 8-)I know HSBC is the bank to provide most competitive mortgage rate. But I am not sure about other things except the rate. You can see some bad words about HSBC's policy here. For you consideration only.
-linmeimei(林妹妹);
2002-1-31
{202}
(#353908@0)
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THANK YOU FOR YOUR ADVICE.YOU ARE A NICE GIRL,I KNOW....
-olivia1998(olivia);
2002-1-31
(#353911@0)
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没听说。记住：好东西一般自己不会送上门。多找找，多比较比较，才能知道哪里有对你最合适的。咦。怎么听上去像是教你找对象？：）一般来说，脑子活，会找LG的MM，也会弄贷款。天下事都是相通的。。说简单也简单。说复杂，嘿嘿，一辈子也不一定懂。。。
看你这么好学，一定没问题 :-))
-x2000(围城专家);
2002-1-31
{83}
(#353902@0)
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Royal Bank , i think it's ok .
-jingyixue(云中月);
2002-1-31
(#353594@0)
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firstline variable mortgage. takes risk but perfect solution for the current economy. saves me 2K interest in half a year.
-rhill(一笑);
2002-1-31
(#353825@0)
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真的吗？可以多说点细节吗？小妹生平第一次买房，老是心里没底。。。。
-olivia1998(olivia);
2002-1-31
(#353832@0)
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浮动利率5年期,前6个月prime-1.7,剩下的时间prime-0.4,可随时lock 3年或4年或5年期.3年后open,每年有20%的prepayment,每年可多交少交20%.每年多交的payment罚2个月利息.
-rhill(一笑);
2002-1-31
(#354436@0)
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我已经把我的所有贷款都转到“汇丰”了。他们给我很好的利率，如果你有兴趣，给我mail
-mike2000(风筝);
2002-1-31
(#353952@0)
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*sigh* you must do some homework even before you ask Qs in ROLIA.....
Here is a list the terms, study it first, then go to talk with any personal banker...
-aabbcc(abc);
2002-1-31
(#353971@0)
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谢谢AABBCC同志。已经收藏了。
-olivia1998(olivia);
2002-1-31
(#353978@0)
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收藏了?? in your brain or your hard disk?
-aabbcc(abc);
2002-1-31
(#353984@0)
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COMPUTER，OF COURSE
-olivia1998(olivia);
2002-1-31
(#353989@0)
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巨同意。有关mortgage的款项非三言两语讲得清楚，有些基本知识，就不容易偏听偏信了。参考#343551。
-pitbull(硬頸);
2002-1-31
(#353985@0)
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HSBC Bank Canada in North York center, always 0.05 lower than any other bank offer. tel: 416-733-1228, ask Patricia, tell her that you know from Mike. good luck!!
-mike2000(风筝);
2002-1-31
(#354184@0)
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别他妈上HSBC的老当，有陷阱的！！！到时候哭都来不及。我是发誓不跟HSBC再来往了，奉劝各位三思。
-lmx(Mashimaro);
2002-1-31
(#354466@0)
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我觉得各大银行的利率是基本一样的. 不然大家都去最好的一家,其他的岂不是早就倒闭了.关键是你要看一下选什么样的TERM.
-warhook(likeplay);
2002-2-1
(#355203@0)
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忘了讲一句,一般你可拿到的利率要比公开公布的少1%,若认识人或谈的好,可能能在多0.25%的DISCOUNT.
-warhook(likeplay);
2002-2-1
(#355205@0)