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回复: 介绍加拿大的银行,账户,贷款和投资
好贴~~
好贴~~
好帖!加分!新移民登陆加拿大,无论是从本身生活需要的角度,还是从选择职业方面的考虑,都将接触到加拿大的银行。本文将陆续向大家介绍这方面的基础情况,帮助新移民了解加拿大的银行情况,特点,通过银行办理各项业务的指南,希望大家多提宝贵意见,多多指教。
以下是本专贴中文章的目录一览,我将根据所添加的内容不断更新目录。(蓝色标题表示帖子完整,黑色标题表示帖子未发完或者尚未发帖)
(一)加拿大的银行
(二)账户
(三)关于支票hold policy和实务
(四)各种付款方式
(五)日常账户的透支保护overdraft protection
(六)如何选择适合自己的日常帐户类型
(七)谈谈GICs
(八)说说支票账户chequing account和储蓄账户savings account如何配合使用
(九)关于home branch
(十)新移民房屋按揭贷款指南
(十一)关于投资
(十二)再谈房屋按揭贷款-谈谈新移民项目
(十三)关于RRSP和税收
(十四)再谈关于开户
(十五)关于信用卡和信用
(十六)银行的新移民优惠政策
(十七)discount broker名单,联系方式和收费简介
(十八)如何预防支票诈骗
(十九)房贷中选择究竟是固定利率还是浮动利率
(二十)在加拿大从事小生意的融资渠道
(二十一)TFSA
ING Direct 免费银行开户。收藏好帖!12月31日前在ING银行免费开户,有13块钱拿
没有任何手续费,活期利率3 %,偶刚开了一个,可以在网上开,这个链接,
http://www.ingdirect.ca/en/ISAfriends/
“How did you hear about us? ”选“Recommended by a friend"
"Orange Key"填”17362816S1
然后写一张100块的支票到你的新帐号里就好了,地址是
ING Direct
111 Gordon Baker Road, Suite 110
Toronto, Ontario
M2H 3R1
待资金进帐后,打电话激活即可。我的帐户里多了$13,提供REFERRAL 号的朋友也应该多了$13。收到后不想要可以随时关闭帐户的。
我的REFERRAL CODE 是:17362816S1
good luck!
好帖!(十七)discount broker名单,联系方式和收费简介
1。Broker: BMO InvestorLine
www.bmoinvestorline.com
Phone: 1-800-387-7800
Email: info@bmoinvestorline.com
Assets Commission
Under $100,000 Regular Rate
Over $100,000 Flat Fee
Trades per Quarter Commission
Under 30 Trades Regular Rate
Over 29 Trades Flat Fee
Online: Regular Rates
Shares Price/Share Commission
up to 1000 Any $25 for Market Orders
up to 1000 Any $29 for Limit / Special Orders
over 1000 0.00 to $2.00 1.5%
over 1000 $2.01 + $0.03 / share
Min commission $25 for market orders & $29 for Limit/special orders.
Online: Flat Fee
$9.95 per trade
________________________________________
2。Broker: CIBC Investor's Edge www.investorsedge.cibc.com
Phone: 1-800-567-3343
Email: feedback@cibc.com
"Edge" Package Rate
$395 per calendar year per account
Trade package: 50 equity trades
Additional trades: $6.95 per trade
Online: Market Orders
Shares Price/Share Commission
up to 1000 Any $25
over 1000 0.00 to $2.00 1.5% of principal
over 1000 $2.01 + $0.03 / share
Min commission $25
Online: Non-Market Orders
Shares Price/Share Commission
up to 1000 Any $28.95
over 1000 0.00 to $2.00 1.5% of principal
over 1000 $2.01 + $0.03 / share
Min commission $28.95
________________________________________
3。Broker: Credential Direct www.credentialdirect.com
Phone: 1-877-742-2900
Email: feedback@credentialdirect.com
Online
Shares Price Regular 25+ Trades/Q
up to 1000
(or trade value <$2000.01) Any $19 $9.95
over 1000 $0.00 to $1.00 1% (Min $19) $9.95
over 1000 $1.01 + $0.02/share $9.95
________________________________________
4。Broker: Disnat www.disnat.com
Phone: 1-800-268-8471
Email: disnat@vmd.desjardins.com
Disnat Classic:
Trades per Month: Up to 9
Price/Share Commission
$2.00 or less 1.5% (Min $29)
$2.01 or more $29 up to 1000 shares
$0.03/share for over 1000 shares (min $29)
Trades per Month: 10 or more, or $250k+ in assets
Price/Share Commission
$2.00 or less 1.0%
$2.01 or more $9.95 for up to 1000 shares
$0.01/share for over 1000 shares (min $9.95)
________________________________________
5。Broker: eNorthern www.enorthern.com
Phone: 1-888-829-7929
Email: customersupport@enorthern.com
Equity Trades
Price/Share Commission
$2.00 or less 1.5%
$2.01 or more $0.025 per share
Min commission $24
________________________________________
6。Broker: E*Trade Canada www.canada.etrade.com
Phone: 1-888-872-3388
Email: service@etrade.ca
Fees
Type 150+ Trades/Q 30-149 Trades/Q or $50k+ <$50k
U.S. Stocks ** $6.99 $9.99 $19.99
Canadian Stocks ** $6.99 $9.99 $19.99 (to 1000 shares, $0.02/share thereafter)
** Fees for U.S transactions are charged in U.S. dollars. Equity transaction with a principal value of less than $2,000 will be charged either a flat fee of $6.99 per trade, $9.99 per trade or $19.99 per trade, depending upon the pricing tier for which you have qualified. Equity transactions with a share price of $1.00 or less will be charged either a flat fee of $6.99 per trade, $9.99 per trade or $19.99 per trade, depending upon the pricing tier for which you have qualified.
________________________________________
7。Broker: Interactive Brokers www.interactivebrokers.com
Phone: 1-877-745-4222
Email: help@interactivebrokers.com
American Equities
Commission Min Notes
USD 0.005/Share $1.00 Max 0.5% of trade value plus exchange, ECN, and specialist fees
Canadian Equities
Commission Min Notes
CAD 0.01/Share $1.00 Max 0.5% of Trade Value plus exchange fees
For Canadian orders that are immediately executed against an existing bid or offer on the exchange's order book, an exchange liquidity removing fee of $ 0.0008 CAD/share will be added for stocks trading <1.00 CAD and $ 0.0037 CAD/share will be added for stocks trading at or above 1.00 CAD with a maximum inclusive price of 0.01 CAD/share.
Misc Fees and Other Info
Commission Minimum: $10/month
Market Data Charged Separately
________________________________________
8。Broker: Merrill Lynch HSBC www.mlhsbc.ca
Phone: 1-866-865-4722
Email: info@mlhsbc.ca
Online
Stock Price Share Volume Commission
$0.00 to $2.00 any # 1.5%
$2.01 and over up to 1000 $29
$2.01 and over over 1000 $0.03/Share
Minimum commission of $29 per transaction
________________________________________
9。Broker: National Bank Discount Brokerage www.nbc.ca/nbdb
Phone: 1-800-363-3511
Email: Web.trad@bnc.ca
Internet Trades
Shares Price/Share Commission
up to 1000 Any $28.95
over 1000 $2.00 or less 1.5%
over 1000 $2.01 and over $0.03 / share
Min commission $28.95
________________________________________
10。Broker: Qtrade Canada www.qtrade.ca
Phone: 1-877-787-2330
Email: info@qtrade.ca
Online: 1000 shares or less
30-149 Trades/Q 150+ Trades/Q Assets >$100k Assets < $100k
$9.95 $7.00 $9.95 $19 market
+ $4 for special orders
Online: 1000 shares or more
Price/Share 30-149 Trades/Q 150+ Trades/Q Assets >$100k Assets <$100k
$0.00 - $0.50 $9.95 $7.00 $9.95 1%
$1.01 - $3.00 $9.95 $7.00 $9.95 $0.02/share
$3.01 plus $9.95 $7.00 $9.95 $0.025/share
Min commissions of $7.00, $9.95, $19.00, $23.00
________________________________________
11。Broker: Questrade www.questrade.com
Phone: 1-888-783-7866
Email: info@questrade.com
Online
$0.01/share with a $4.95 min OR $9.95 per trade
________________________________________
12。Broker: Royal Bank Action Direct www.actiondirect.com
Phone: 1-800-769-2560
Special Online Rates
150+ Trades/Q 30-149 Trades/Q Assets $100k+
$6.95 $9.95 $9.95
Regular Online Rates
Shares Price/Share Fee
1000 or less Any $28.95
1001 or more $0.00 - $2.00 1.5%
1001 or more $2.01 + $0.02/share
Min commission $28.95.
________________________________________
13。Broker: ScotiaMcLeod Direct www.sdbi.com
Phone: 1-800-263-3430
Email: smdirect@scotiamcleoddirect.com
Online
Shares Price/Share Commission
up to 1000 Any $25.95 for Market Orders
up to 1000 Any $28.95 for Limit / Special Orders
over 1000 0.00 to $0.99 $0.005 / share
over 1000 1.00 to $1.99 $0.02 / share
over 1000 $2.00 + $0.03 / share
Min commission $25.95 for market orders & $28.95 for Limit/special orders.
Max 2% commission, subject to $25.95/$28.95 min
________________________________________
14。Broker: TD Waterhouse www.tdwaterhouse.ca
Phone: 1-800-465-5463
Email: td.waterhouse@td.com
Special Online Rates
150+ Trades/Q 30-149 Trades/Q Assets $100k+
$7.00 $9.99 $9.99
Regular Online Rates
Stock Price Share Volume Commission
$0.00 to $2.00 any # 1.5%
$2.01 and over up to 1000 $29
$2.01 and over over 1000 $0.03/Share
Minimum commission of $29 per transaction
________________________________________
15。Broker: TradeFreedom www.tradefreedom.com
Phone: 1-866-837-3336
Email: info@tradefreedom.com
Online
Trade Commission
US Equities $9.95
Canadian Equities ($3 or less) $9.95
Canadian Equities ($3+, 1000 shares or less) $9.95
Canadian Equities ($3+, 1000+ shares) $9.95 + $0.01/share above 1000
新移民登陆加拿大,无论是从本身生活需要的角度,还是从选择职业方面的考虑,都将接触到加拿大的银行。本文将陆续向大家介绍这方面的基础情况,帮助新移民了解加拿大的银行情况,特点,通过银行办理各项业务的指南,希望大家多提宝贵意见,多多指教。
以下是本专贴中文章的目录一览,我将根据所添加的内容不断更新目录。(蓝色标题表示帖子完整,黑色标题表示帖子未发完或者尚未发帖)
(一)加拿大的银行
(二)账户
(三)关于支票hold policy和实务
(四)各种付款方式
(五)日常账户的透支保护overdraft protection
(六)如何选择适合自己的日常帐户类型
(七)谈谈GICs
(八)说说支票账户chequing account和储蓄账户savings account如何配合使用
(九)关于home branch
(十)新移民房屋按揭贷款指南
(十一)关于投资
(十二)再谈房屋按揭贷款-谈谈新移民项目
(十三)关于RRSP和税收
(十四)再谈关于开户
(十五)关于信用卡和信用
(十六)银行的新移民优惠政策
(十七)discount broker名单,联系方式和收费简介
(十八)如何预防支票诈骗
(十九)房贷中选择究竟是固定利率还是浮动利率
(二十)在加拿大从事小生意的融资渠道
(二十一)TFSA