现在利率涨的真快啊 固定利率都上三点几了啊 有人选浮动利率么？p-0.5怎么样啊 有好利率的来说说吧
大家现在能拿到多少的贷款利率啊
- 主题发起人 wsqlya
- 发布时间 2013-10-01
回复: 大家现在能拿到多少的贷款利率啊
多打几家银行电话，多比较。
固定利率比上半年上升了0.4-0.5%，据个人经验，现在5年fixed最低3.39%--3.49%。如果楼主偏好fixed，建议去询价4年fixed，估计能搞定3.19%(可能要求20%以上downpayment)。
浮动利率比较低，多问几家银行，应该可以拿到2.6%左右。但选浮动，就要承担利率波动的风险。
关于对利率未来2-3年是否会走高及走高多少，楼主自己判断，根据自己承受能力选择fixed还是variable。
多打几家银行电话，多比较。
固定利率比上半年上升了0.4-0.5%，据个人经验，现在5年fixed最低3.39%--3.49%。如果楼主偏好fixed，建议去询价4年fixed，估计能搞定3.19%(可能要求20%以上downpayment)。
浮动利率比较低，多问几家银行，应该可以拿到2.6%左右。但选浮动，就要承担利率波动的风险。
关于对利率未来2-3年是否会走高及走高多少，楼主自己判断，根据自己承受能力选择fixed还是variable。
现在利率涨的真快啊 固定利率都上三点几了啊 有人选浮动利率么？p-0.5怎么样啊 有好利率的来说说吧
回复: 大家现在能拿到多少的贷款利率啊
几天前看到广告说还有5年fixed 2.99%和3.15%的，不是银行的，是不小的贷款机构的，不知道有人试过没有。
几天前看到广告说还有5年fixed 2.99%和3.15%的，不是银行的，是不小的贷款机构的，不知道有人试过没有。
回复: 大家现在能拿到多少的贷款利率啊
5年浮动利率2.6%还不如CIBC三年的3.65%+3%cashback。两个礼拜前我在CIBC问到过两年的fixed 2.49%，不过最后没找CIBC，不知道是否最后能拿到。
5年浮动利率2.6%还不如CIBC三年的3.65%+3%cashback。两个礼拜前我在CIBC问到过两年的fixed 2.49%，不过最后没找CIBC，不知道是否最后能拿到。
回复: 大家现在能拿到多少的贷款利率啊
温哥华，情况相同，刚下Offer成功，CIBC给的两年Fixed 2.5%，有没有比这低些的，求推荐。谢谢！
温哥华，情况相同，刚下Offer成功，CIBC给的两年Fixed 2.5%，有没有比这低些的，求推荐。谢谢！
回复: 大家现在能拿到多少的贷款利率啊
我们问的都是两年2.79％，楼上的比我们的好呢！
我们问的都是两年2.79％，楼上的比我们的好呢！
回复: 大家现在能拿到多少的贷款利率啊
同问Cash back
同问Cash back
回复: 大家现在能拿到多少的贷款利率啊
我问的CIBC的三年3.65%+3%cashback，据网上牛人“精算”对50万贷款实际相当于是大概2.52-2.53%的样子。
你们网上随便按广告找个贷款JJ打电话会给解释的很清楚，注意要找各个银行自己的人，我个人不和代理多个银行的broker打交道。
我问的CIBC的三年3.65%+3%cashback，据网上牛人“精算”对50万贷款实际相当于是大概2.52-2.53%的样子。
你们网上随便按广告找个贷款JJ打电话会给解释的很清楚，注意要找各个银行自己的人，我个人不和代理多个银行的broker打交道。
回复: 大家现在能拿到多少的贷款利率啊
揭秘加拿大房屋贷款经纪行业(环球邮报）
自称代理几十家机构，但最重要的几家银行却拒绝经纪代理，“导购”没有起到作用;为了自己的利益推荐借款机构。。。这些秘密你知道吗？
为什么57%的加拿大人直接找银行贷款，如何避免贷款经纪的误导，哪些机构不接受经纪代理？请详细阅读《环球邮报》这篇揭秘文章。
识别贷款经纪是否有从业经验，可以看注册号码，例如，M13XXXXXX，M11XXXXX代表着注册和从业的时间。
加拿大《环球邮报》6月16日撰文如下：
原文地址
http://www.theglobeandmail.com/globe-investor/personal-finance/mortgages/should-you-rely-on-a-broker-for-a-great-mortgage-or-call-around-yourself/article12594984/
If you visit different mortgage broker websites, you’re bound to come across wording like this: “We work with over 50 lenders to serve you better.”
The idea is that having more lenders to choose from when shopping for a mortgage improves your odds of getting the best deal. But is more really better and is it enough to rely on a broker to contact lenders on your behalf – or should you call around yourself?
Access to multiple lenders is a key benefit that brokers like to promote. However, the pool of banks that brokers have access to has shrunk since 2007, when Bank of Montreal, Canadian Imperial Bank of Commerce, ING and others began exiting the independent broker market. Those banks feel they can profit more by selling mortgages directly to customers.
Furthermore, most brokers don’t compare every available lender. Maritz Research found that 90 per cent of the typical broker’s volume goes to just three lenders. That’s partly because some brokers feel more comfortable in knowing a few lenders well, versus many lenders superficially. It’s also because brokers often get preferential rates and service – like better turnaround time – from their primary lenders.
Yet another reason, in certain cases, is self-interest. Lenders pay financial incentives to brokers who send them a certain amount of volume. Such incentives can be a conflict of interest if they lead a broker into recommending a less competitive mortgage.
When a broker deals with just three lenders, he or she might as well be a sales rep for those companies. There’s nothing necessarily wrong with that – if the lender has the best mortgage for the customer, but that’s not always the case.
One way to avoid brokers who don’t shop around sufficiently is to deal with an established and experienced high-volume broker, someone who isn`t as pressured to send a set amount of volume to a particular lender. These brokers are typically found high up in Google’s local search results, due to their longevity, referrals and professionally-run businesses.
In a perfect world, it would be easy to find a broker who shops all lenders objectively, even lenders that don’t pay brokers. Unfortunately, most brokers don’t have the time or technology to closely track the rates, terms and guidelines of 50-plus lenders. And brokers, like bankers, like to get paid and seldom recommend outside lenders.
So if you truly want to shop all major lenders, you’ll need to do your own legwork. If you’re getting a new mortgage, you must:
But the legwork could literally take hours of asking the right questions and negotiating with all the key lenders. And if you inadvertently pick a lender with onerous fine print, the cost of that lender’s restrictions could easily outweigh any upfront rate savings.
Using rate comparison sites for leverage is another strategy. The problem there is that rate sites typically don’t reveal all the limitations of a mortgage (e.g., penalty calculations, porting rules and mortgage increase policies, to name a few). So you still need advice or lender feedback to find the ideal mortgage at the absolute lowest possible rate.
Even if you plan to get your mortgage directly through a bank – like 57 per cent of Canadians do – contacting a broker might work in your favour. At worst, you’ll get market and rate intelligence that you can use to your advantage at the bank. At best, the broker may find you a flexible product that costs less, and/or suggest a strategy that saves you interest.
And, brokers have dozens more options than any single lender, which gives them access to cut-rate pricing, easier approvals for people with special situations (eg. self-employed or with bad credit ), lower penalties for breaking a mortgage early, and more choice of features, like pre-payment privileges, linked credit lines and the ability to extend your term before the mortgage comes due, penalty-free. (Banks too have unique features not available through brokers. Examples: BMO’s Cash Account, TD’s HELOC and Manulife’s One account.)
broker shop rate.jpg (6.40 K)
7/6/2013 10:54:51 PM
Comparing dozens of lenders on your own can be educational, but it takes considerable effort and some know-how. If you know what questions to ask, that extra effort can lead to a slightly lower upfront rate. I’ll list the essential questions in a future column.
Just remember this. The cheapest rate doesn’t necessarily equal the least money out of pocket. Things like costly payout restrictions, lender refinance policies and accelerated payoff privileges can add or subtract thousands from your total borrowing costs.
In practice, most Canadians lead busy lives and are content to let a banker or broker find them a mortgage that’s “good enough.”
But if you have the spare time and truly want the best deal, you can engage a broker to shop for you, and call the non-broker lenders yourself and cross reference your quotes with a rate comparison site. And while you’re at it, don’t be afraid to get a second broker opinion.
Robert McLister is the editor of CanadianMortgageTrends.com and a mortgage planner at VERICO intelliMortgage, a mortgage brokerage. You can also follow him on twitter at @CdnMortgageNews.
揭秘加拿大房屋贷款经纪行业(环球邮报）
自称代理几十家机构，但最重要的几家银行却拒绝经纪代理，“导购”没有起到作用;为了自己的利益推荐借款机构。。。这些秘密你知道吗？
为什么57%的加拿大人直接找银行贷款，如何避免贷款经纪的误导，哪些机构不接受经纪代理？请详细阅读《环球邮报》这篇揭秘文章。
识别贷款经纪是否有从业经验，可以看注册号码，例如，M13XXXXXX，M11XXXXX代表着注册和从业的时间。
加拿大《环球邮报》6月16日撰文如下：
原文地址
http://www.theglobeandmail.com/globe-investor/personal-finance/mortgages/should-you-rely-on-a-broker-for-a-great-mortgage-or-call-around-yourself/article12594984/
If you visit different mortgage broker websites, you’re bound to come across wording like this: “We work with over 50 lenders to serve you better.”
The idea is that having more lenders to choose from when shopping for a mortgage improves your odds of getting the best deal. But is more really better and is it enough to rely on a broker to contact lenders on your behalf – or should you call around yourself?
Access to multiple lenders is a key benefit that brokers like to promote. However, the pool of banks that brokers have access to has shrunk since 2007, when Bank of Montreal, Canadian Imperial Bank of Commerce, ING and others began exiting the independent broker market. Those banks feel they can profit more by selling mortgages directly to customers.
Furthermore, most brokers don’t compare every available lender. Maritz Research found that 90 per cent of the typical broker’s volume goes to just three lenders. That’s partly because some brokers feel more comfortable in knowing a few lenders well, versus many lenders superficially. It’s also because brokers often get preferential rates and service – like better turnaround time – from their primary lenders.
Yet another reason, in certain cases, is self-interest. Lenders pay financial incentives to brokers who send them a certain amount of volume. Such incentives can be a conflict of interest if they lead a broker into recommending a less competitive mortgage.
When a broker deals with just three lenders, he or she might as well be a sales rep for those companies. There’s nothing necessarily wrong with that – if the lender has the best mortgage for the customer, but that’s not always the case.
One way to avoid brokers who don’t shop around sufficiently is to deal with an established and experienced high-volume broker, someone who isn`t as pressured to send a set amount of volume to a particular lender. These brokers are typically found high up in Google’s local search results, due to their longevity, referrals and professionally-run businesses.
In a perfect world, it would be easy to find a broker who shops all lenders objectively, even lenders that don’t pay brokers. Unfortunately, most brokers don’t have the time or technology to closely track the rates, terms and guidelines of 50-plus lenders. And brokers, like bankers, like to get paid and seldom recommend outside lenders.
So if you truly want to shop all major lenders, you’ll need to do your own legwork. If you’re getting a new mortgage, you must:
- Contact these non-broker lenders yourself: RBC, BMO, CIBC, HSBC, ING, Manulife Bank, PC Financial
- Go direct or use a broker to get quotes from these lenders: Scotiabank, TD Canada Trust, National Bank, Industrial Alliance, Desjardins and the major credit unions
- Use a broker to get quotes from wholesale lenders like First National, MCAP, Street Capital, Home Trust, Merix Financial, ICICI Bank, CMLS, MonCana Bank, Radius Financial, RMG Mortgages, AGF Trust, B2B Bank, Xceed and others.
But the legwork could literally take hours of asking the right questions and negotiating with all the key lenders. And if you inadvertently pick a lender with onerous fine print, the cost of that lender’s restrictions could easily outweigh any upfront rate savings.
Using rate comparison sites for leverage is another strategy. The problem there is that rate sites typically don’t reveal all the limitations of a mortgage (e.g., penalty calculations, porting rules and mortgage increase policies, to name a few). So you still need advice or lender feedback to find the ideal mortgage at the absolute lowest possible rate.
Even if you plan to get your mortgage directly through a bank – like 57 per cent of Canadians do – contacting a broker might work in your favour. At worst, you’ll get market and rate intelligence that you can use to your advantage at the bank. At best, the broker may find you a flexible product that costs less, and/or suggest a strategy that saves you interest.
And, brokers have dozens more options than any single lender, which gives them access to cut-rate pricing, easier approvals for people with special situations (eg. self-employed or with bad credit ), lower penalties for breaking a mortgage early, and more choice of features, like pre-payment privileges, linked credit lines and the ability to extend your term before the mortgage comes due, penalty-free. (Banks too have unique features not available through brokers. Examples: BMO’s Cash Account, TD’s HELOC and Manulife’s One account.)
7/6/2013 10:54:51 PM
Comparing dozens of lenders on your own can be educational, but it takes considerable effort and some know-how. If you know what questions to ask, that extra effort can lead to a slightly lower upfront rate. I’ll list the essential questions in a future column.
Just remember this. The cheapest rate doesn’t necessarily equal the least money out of pocket. Things like costly payout restrictions, lender refinance policies and accelerated payoff privileges can add or subtract thousands from your total borrowing costs.
In practice, most Canadians lead busy lives and are content to let a banker or broker find them a mortgage that’s “good enough.”
But if you have the spare time and truly want the best deal, you can engage a broker to shop for you, and call the non-broker lenders yourself and cross reference your quotes with a rate comparison site. And while you’re at it, don’t be afraid to get a second broker opinion.
Robert McLister is the editor of CanadianMortgageTrends.com and a mortgage planner at VERICO intelliMortgage, a mortgage brokerage. You can also follow him on twitter at @CdnMortgageNews.
回复: 大家现在能拿到多少的贷款利率啊
CIBC个人认为cashback很多陷阱吧，不能提前结束term。就算正常结束term的时候也必须完全走完，renew的时候局限很多。而且发现CIBC的mortgage specialist没多少工作动力，不给手机号码，着急的时候找不到人。
让我最郁闷的是，申请时说帮我锁定了什么什么利率，真到跟前了，就说没锁住。当然也许跟当时找的职员有关。
最后选了BMO的浮动，p-0.45。
找这种mortgage specialist一定要多比较，就算一家的也多问几个，找到靠谱的，服务好的再做。
CIBC个人认为cashback很多陷阱吧，不能提前结束term。就算正常结束term的时候也必须完全走完，renew的时候局限很多。而且发现CIBC的mortgage specialist没多少工作动力，不给手机号码，着急的时候找不到人。
让我最郁闷的是，申请时说帮我锁定了什么什么利率，真到跟前了，就说没锁住。当然也许跟当时找的职员有关。
最后选了BMO的浮动，p-0.45。
找这种mortgage specialist一定要多比较，就算一家的也多问几个，找到靠谱的，服务好的再做。
回复: 大家现在能拿到多少的贷款利率啊
利率锁定一定要有从银行发给你的正式文件上写好签字的才有效，这个specialist给你的任何口头上的都没用的，这是常识。
给cashback都不能提前结束，除非把cashback吐出来外加罚款，5年浮动或 fixed也都不能提前结束的吧？
利率锁定一定要有从银行发给你的正式文件上写好签字的才有效，这个specialist给你的任何口头上的都没用的，这是常识。
回复: 大家现在能拿到多少的贷款利率啊
我找的CIBC银行里的financial advisor也是很不靠谱, 手机一般不接,全套资料给他之后,2个星期才把我的申请正式提交,就说太忙了. 我的房子close比较晚,估计他就慢慢拖着我. 当时利率一直在上升, 我知道他一直没有提交申请的时候,差点气的吐血. 而且CIBC 新移民申请也要写过去工作的单位,工资(工资要写得很高, 根据贷款额度来计算的), 还要提交过去工作的工作证明,证明有这么高工资. 本来弄个工作证明到不是难事,但是考虑到他们之前的工作效率和态度, 担心会在close之前又出什么问题. 仔细考虑后,还是选了BMO. BMO申请简单,只要有35%首付,其他资料都不需要了,而且审批很快. 虽然利率比CIBC高一点,但是放心. 其他论坛上看了太多贷款, 到最后close前突然还要提交其它资料,造成贷款人最后焦头烂额的事情. 所以我还是选了个肯定能贷出款来的银行.
我找的CIBC银行里的financial advisor也是很不靠谱, 手机一般不接,全套资料给他之后,2个星期才把我的申请正式提交,就说太忙了. 我的房子close比较晚,估计他就慢慢拖着我. 当时利率一直在上升, 我知道他一直没有提交申请的时候,差点气的吐血. 而且CIBC 新移民申请也要写过去工作的单位,工资(工资要写得很高, 根据贷款额度来计算的), 还要提交过去工作的工作证明,证明有这么高工资. 本来弄个工作证明到不是难事,但是考虑到他们之前的工作效率和态度, 担心会在close之前又出什么问题. 仔细考虑后,还是选了BMO. BMO申请简单,只要有35%首付,其他资料都不需要了,而且审批很快. 虽然利率比CIBC高一点,但是放心. 其他论坛上看了太多贷款, 到最后close前突然还要提交其它资料,造成贷款人最后焦头烂额的事情. 所以我还是选了个肯定能贷出款来的银行.
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