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枫下家园 / 住房话题 / 各位DX,关于房屋贷款的问题,向大家请教:浮动利率,3 年:CIBC, 头六个月,比prime低2.5%, 之后-0.4%;TD, -0.75%,代理说二者是一样的,对吗?是否还可以?---先谢了.
-nautica(将爱情进行到底);
2003-1-8
(#964149@0)
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哪种合适取决于你的还款计划。
-benbendan(笨笨蛋);
2003-1-8
(#964193@0)
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如果别的条件都一样,当然前一个更好。
-sadboy(sadboy);
2003-1-8
(#964235@0)
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(2.5 x 6 + 0.4 x 33) / 36 = 0.75 当然是一样的。
-lhjln();
2003-1-8
(#964559@0)
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不能这么算吧,本金每个月都在变
-pro(核桃);
2003-1-8
(#964734@0)
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TD -0.75 is 5 years. I chose this one(TD). If you think the rate will go up soon, first 6 months -2.5 is good for you, otherwise, consider 5 years, TD is better
-wildcat(Wildcat);
2003-1-9
(#964896@0)
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以贷款二十万进行比较,如果合同期都是三年,那么CIBC的合算,三年可省130多元。如果合同都是五年,那么TD的合算,五年可省2000多元。(假定利率波动在3.25和7.25之间)
-rollor(Rollor);
2003-1-9
(#964961@0)
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忘了写另一个条件:每月还款800元。(每月还款额约低,TD的越合算。而利率低时,每月还款额不会达到八百。所以,如果你计划在这套房里住五年以上,建议你采用TD的Prime-0.75的方案。)
-rollor(Rollor);
2003-1-9
(#964973@0)
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条件不成立:200K贷款,CIBC的MONTHLY PAYMENT是:1066, TD是:1028
-benbendan(笨笨蛋);
2003-1-9
(#965222@0)
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你说的对,每月还款额应该是一千多点。以1050计,三年,CIBC的可省180元左右;五年,TD的可省约 1700 至 2000 元。我算的不如你的精确,但差距应该不大。
-rollor(Rollor);
2003-1-9
(#965326@0)
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按200K计算,MONTHLY报PAYMENT:TD:1028,CIBS 1066. TERM:5年,Paid Principle Interest
CIBC: 28486 36584
TD: 27053 35670
-benbendan(笨笨蛋);
2003-1-9
{106}
(#965232@0)
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能告诉我Prime - 0.75是如何获得的吗?TD的网站上是3.85%,也就是Prime(4.5) - 0.65。多谢!
-feather(ThanksGiving);
2003-1-9
(#964997@0)
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Talk with a Mortgage Broker
-wildcat(Wildcat);
2003-1-9
(#965358@0)
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That Simple? Thanks.
-feather(ThanksGiving);
2003-1-9
(#965411@0)
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hi, Just sent you email, please check. Thanks.
-xiaopang(xiaopang);
2003-1-11
(#969504@0)
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I have a friend working for Mortgage broker. They have a good plan now which is prime -0.75(=3.75%). But good point is there is top limit of 6%. Send email to me if you need more details.
-airforce1(small head poppy);
2003-1-9
(#965786@0)
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Thx. Pls check your email.
-feather(ThanksGiving);
2003-1-9
(#965894@0)
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Can any of you let me know how you get the TD variable rate(-0.75)? Can you give me the mortgage broker's name and phone no? Thanks!
-davisville(在多伦多的中国人);
2003-1-9
(#966235@0)
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Try this broker: Northwood Mortgage, 416-835 7558. Depending on your downpayment, they can offer this rate from CIBC or TD.
-sadboy(sadboy);
2003-1-9
(#966285@0)
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hi, Just sent you email, please check. Thanks.
-xiaopang(xiaopang);
2003-1-11
(#969517@0)
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能否告诉你朋友的联系方式?
-jfhuang(Zigzag);
2003-1-12
(#971076@0)
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Can you send email to me telling me your general info? If you are qualified, he will contact you directly.
-airforce1(small head poppy);
2003-1-13
(#974265@0)
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hi, airforce, did you see my email?
-xiaopang(xiaopang);
2003-1-13
(#973917@0)
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cibc 的分行有的有CASH BACK 1%。直接到分行谈。
-elu(lu);
2003-1-13
(#973973@0)