房贷找broker有什么不妥吗，总觉得直接找银行更好些。但是因为某些原因只能用broker.找broker靠谱吗，还是现在先用broker以后再换银行，还是都一样，无所谓。求教。谢谢
房贷找broker有什么不妥吗
- 主题发起人 bonb
- 发布时间 2013-12-19
地产Richard吴
地产Richard吴
回复: 房贷找broker有什么不妥吗
第一选择银行，第二选择broker
第一选择银行，第二选择broker
回复: 房贷找broker有什么不妥吗
没有不妥的。多一个选择总是好的。
没有不妥的。多一个选择总是好的。
回复: 房贷找broker有什么不妥吗
找broker挺好的。
找broker挺好的。
回复: 房贷找broker有什么不妥吗
找broker完全没问题。他们与银行有固定的联系，只要不是小银行，没有风险，而且还可以拿到更好的利率。利率你要自己跟broker谈。最好自己也跟不同的银行咨询贷款信息，这样谈判时能从broker拿到更好利率。
找broker完全没问题。他们与银行有固定的联系，只要不是小银行，没有风险，而且还可以拿到更好的利率。利率你要自己跟broker谈。最好自己也跟不同的银行咨询贷款信息，这样谈判时能从broker拿到更好利率。
回复: 房贷找broker有什么不妥吗
非常不好，当初买房时差点被一个不负责任的broker害得连房贷都批不下来。
非常不好，当初买房时差点被一个不负责任的broker害得连房贷都批不下来。
G
gordondeng
Guest
回复: 房贷找broker有什么不妥吗
真搞不懂，能找银行为啥还找经纪
真搞不懂，能找银行为啥还找经纪
回复: 房贷找broker有什么不妥吗
银行不会太好利率，需要broker帮你谈。还是不错的
银行不会太好利率，需要broker帮你谈。还是不错的
回复: 房贷找broker有什么不妥吗
As per my experience, broker can get a better rate.
As per my experience, broker can get a better rate.
回复: 房贷找broker有什么不妥吗
Broker有很多资源，而且还有许多金融机构是一般人都不知道的。对贷款来说，小机构的利率要好一些，钱给你了，你还有什么风险。我买房时先问的银行，因为我卖了房再买房，问他们付清贷款时的罚款能不能退，如果还用他们银行的贷款，回答是不退。但Broker给我退下来了。
找银行的问题是，一家银行不批，还要再找第二家。每家都要进行信用调查，短时间进行多次信用调查会降低信用分数。找Broker，他会只评估一次，如果一个银行不行，他会再找一个。
如果Broker都谈不下来，自己找银行更加困难。
Broker有很多资源，而且还有许多金融机构是一般人都不知道的。对贷款来说，小机构的利率要好一些，钱给你了，你还有什么风险。我买房时先问的银行，因为我卖了房再买房，问他们付清贷款时的罚款能不能退，如果还用他们银行的贷款，回答是不退。但Broker给我退下来了。
找银行的问题是，一家银行不批，还要再找第二家。每家都要进行信用调查，短时间进行多次信用调查会降低信用分数。找Broker，他会只评估一次，如果一个银行不行，他会再找一个。
如果Broker都谈不下来，自己找银行更加困难。
回复: 房贷找broker有什么不妥吗
这有什么不妥，比较那个利率好就用那个呗。
这有什么不妥，比较那个利率好就用那个呗。
回复: 房贷找broker有什么不妥吗
很多人都不愿意从小银行贷款，不知道为什么？如果利率好过大银行，为什么不呢？是他们借钱过你，你怕什么？真心的不明白。
我的投资房是从小银行贷的，没觉得什么不好。也是从Broke那里帮做的，我自家的房子是五大银行之一贷的，Closing的前两天被告知不加利率不给贷。你说这两年被多收了多少利息。发誓到期换银行！
很多人都不愿意从小银行贷款，不知道为什么？如果利率好过大银行，为什么不呢？是他们借钱过你，你怕什么？真心的不明白。
我的投资房是从小银行贷的，没觉得什么不好。也是从Broke那里帮做的，我自家的房子是五大银行之一贷的，Closing的前两天被告知不加利率不给贷。你说这两年被多收了多少利息。发誓到期换银行！
回复: 房贷找broker有什么不妥吗
如果BROKER不知道RBC，BMO，CIBC，HSBC的利率，怎么比较？
很多人问过LZ提出的问题，Should you rely on a broker for a great mortgage? Or call around yourself?《环球邮报》统一做了答复：网页连接http://www.theglobeandmail.com/glob...gage-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 history), 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.)
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.
如果BROKER不知道RBC，BMO，CIBC，HSBC的利率，怎么比较？
很多人问过LZ提出的问题，Should you rely on a broker for a great mortgage? Or call around yourself?《环球邮报》统一做了答复：网页连接http://www.theglobeandmail.com/glob...gage-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 history), 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.)
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.
回复: 房贷找broker有什么不妥吗
谢谢大家的回复
谢谢大家的回复
回复: 房贷找broker有什么不妥吗
找利息低的，条件好的，the lower and the better。新移民只相信银行，所以一般银行不缺客户，所以没有buy rate。大家都知道找地产经纪要回佣，却不知道贷款经济也是要给回佣的，就是所谓的buy rate。一套房子下来，贷款经济比地产经纪挣到的佣金只多不少，有些时候贷款经济会将buy rate折现给到房产经纪，房产经纪再给客户一点回佣，客户误以为自己占到了便宜。
找利息低的，条件好的，the lower and the better。新移民只相信银行，所以一般银行不缺客户，所以没有buy rate。大家都知道找地产经纪要回佣，却不知道贷款经济也是要给回佣的，就是所谓的buy rate。一套房子下来，贷款经济比地产经纪挣到的佣金只多不少，有些时候贷款经济会将buy rate折现给到房产经纪，房产经纪再给客户一点回佣，客户误以为自己占到了便宜。
回复: 房贷找broker有什么不妥吗
没什么不妥的，不管找谁都记得货比三家。
没什么不妥的，不管找谁都记得货比三家。
回复: 房贷找broker有什么不妥吗
如果房子贷款25年，那么这25年都要和broker联系是吧。如果这家broker今后若干年倒闭了呢，怎么办啊。对贷款不是明白，总觉得各种中介都不太靠谱。
如果房子贷款25年，那么这25年都要和broker联系是吧。如果这家broker今后若干年倒闭了呢，怎么办啊。对贷款不是明白，总觉得各种中介都不太靠谱。
回复: 房贷找broker有什么不妥吗
有些BROKER得不到银行的最优惠政策
有些BROKER得不到银行的最优惠政策
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