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枫下家园 / 住房话题 / 老ROLIAN求助:mortage两个方案选那个? :1)4年固定 4.5% 2)五年 prime - 0.75。我做pre-approval的时候是倾向2),但当时prime是4.5%,现在已经涨到4.75%了,银行说利率还有上涨空间。请给建议,明天签约。谢谢谢谢,我请吃小舟的豌豆黄。
-sammy(无端);
2003-3-20
{50}
(#1098028@0)
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明天据说还要涨,郁闷
-cici726(瑶瑶);
2003-3-20
(#1098033@0)
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别闷,每个人都是这样过来的。
-sammy(无端);
2003-3-20
(#1098040@0)
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@_@,你找了律师了吗?
-cici726(瑶瑶);
2003-3-20
(#1098043@0)
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找了,比你说的马贵。
-sammy(无端);
2003-3-20
(#1098083@0)
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if yr VRM is from TD, it's good, since its prime is still 4.5 now; 4.5% for 4 y is very good deal. the choice depends on yr view on interest trend
-wise(不通啊不通);
2003-3-20
(#1098051@0)
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TD没涨???我是RBC的。谢谢兄台。BTW, What's your view on interest trend ?
-sammy(无端);
2003-3-20
(#1098058@0)
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新房娇妻,羡慕啊
-wise(不通啊不通);
2003-3-20
(#1098065@0)
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我觉得中期来说,利息没有大涨的空间。
-wise(不通啊不通);
2003-3-20
(#1098069@0)
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那么你会选那一种呢?我知道长期来说,浮动肯定会比固定的省钱,但目前我不知道几年内利率可能涨到多少。
-sammy(无端);
2003-3-20
(#1098079@0)
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if you pay mortgage quickly, like often double-up or 20% more, VRM is better in my view, cause rate increases gradually, and early payments include more interests and less principle, thus...
-wise(不通啊不通);
2003-3-20
(#1098089@0)
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没看懂。:-( 固定的也可以double-pay 或 bi-weekly 啊。
-sammy(无端);
2003-3-20
(#1098094@0)
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prime 涨到5。25%, 2 个一回事。for example, you enjoy 3.9% for 2 years, then suffer from 5.1 for another 2 year, then generally still better than 4.5% for 4 y,
-wise(不通啊不通);
2003-3-20
(#1098100@0)
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我觉得问题是现在还有没有3。9两年的可能性
-xiaopang(xiaopang);
2003-3-20
(#1098128@0)
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基本不可能,只是说明起来容易些。
-wise(不通啊不通);
2003-3-20
(#1098145@0)
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老哥,你把我兜得一头雾水。说点白话文吧,要是你有这两个选择,选哪个?别怕误导,你不用对我负责的。:E
-sammy(无端);
2003-3-20
(#1098148@0)
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你干嘛不向他询个价?
-d2o(广阔天地:众神俯瞰);
2003-3-20
(#1098168@0)
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can't beat the rate months ago
-wise(不通啊不通);
2003-3-20
(#1098177@0)
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个人观点:你的借款余额逐月下降,所以前期利率更重要。如果你有能力快速还,enjoy current low rate is better. and as US rate is so low, i don't thinkcanadian rate can be very high in the near future, as our 80% exports are to US. in addition, if the rate booming at the fifth year, yr 4 y close won't save you...................So, considering you are making big money, i guess VRM is better................however, 4.5% for 4 y is really good deal, people can't find it any more.........
-wise(不通啊不通);
2003-3-20
{341}
(#1098176@0)
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多谢了。我挣钱不多,勉强糊口。我也知道4.5很好了,但人心不足。明天我再向银行了解浮动方面的优惠,然后就签上卖身契,从此结束自由身了。
-sammy(无端);
2003-3-20
(#1098202@0)
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你的四年期也是RBC的吗?
-xiaopang(xiaopang);
2003-3-20
(#1098070@0)
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是。
-sammy(无端);
2003-3-20
(#1098072@0)
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四年4.5是RBC的吗?为什么我今天问的是四年4.84?还说截至下礼拜一?谢谢。
-maple_sea(㊣BeiBei);
2003-3-20
(#1098143@0)
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cause you asked today, Sammy did preapproval months ago
-wise(不通啊不通);
2003-3-20
(#1098149@0)
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因为我英俊潇洒气宇不凡更难得的是不骄不躁十分好人。:E 说正经的,是和pre-approval有关。但你可以争取啊,找银行经理谈谈,争取优惠点。会哭的孩子有奶喝。
-sammy(无端);
2003-3-20
(#1098154@0)
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你用完膳了?
-ca010406(shasha);
2003-3-20
(#1098156@0)
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咱们水缸里说话去。
-sammy(无端);
2003-3-20
(#1098159@0)
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嗯,看来我也应该再和RBC聊一下
-beetgrey(Girl Interrupted);
2003-3-20
(#1098404@0)
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mine is 5.4 for 4 years fixed.
-nadir(xi);
2003-3-20
(#1098513@0)
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你的怎么这么高,我的5年才5.05啊
-beetgrey(Girl Interrupted);
2003-3-20
(#1098537@0)
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估计现在谈到4。5可能性不大了,昨天RBC刚涨了利率,4年4。99了。
-xiaopang(xiaopang);
2003-3-22
(#1101279@0)
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四年固定4.5%,说明银行专家认为四年内的浮动利率平均不会超过4.5%。所以,应该选浮动(参见本人的论述)。但是,4.5%确实很低,值得犹豫。投硬币吧。
-rollor(Rollor);
2003-3-20
(#1098230@0)
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麻烦给个TOONIE。:)
-sammy(无端);
2003-3-20
(#1098240@0)
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Prime-0.75=4.0 So why not select 1 year fixed? Is it still around 3.8?
-user0(user0);
2003-3-20
(#1098353@0)
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给我的感觉是,钱少的人和钱多的人选固定的,中间的选可变的
-beetgrey(Girl Interrupted);
2003-3-20
(#1098481@0)
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最后你选了哪个啊?
-beetgrey(Girl Interrupted);
2003-3-22
(#1101518@0)