新房现在去银行谈mortgage 有必要吗？

lionking1327 · Mar 24th, 2010, 20:32

买了新房，明年5月closing，现在是不是就去银行把mortgage谈好呀？

sane0898 · Mar 24th, 2010, 20:37

没必要，银行的利率最长只能HOLD 4月，明年1月份再打探。

而且新房多数都会延期

lionking1327 · Mar 24th, 2010, 20:49

引用:

作者: sane0898

没必要，银行的利率最长只能HOLD 4月，明年1月份再打探。

而且新房多数都会延期

听说有的银行可以帮你锁定利率

zhang_lucy · Mar 24th, 2010, 20:50

新房利率可以hold UP TO 22 MONTHS, YOU CAN ASK THE BANK TO GET PRE APPROVAL AND KEEP lower rate if the interest is going up this year.

czzhang · Mar 25th, 2010, 09:58

引用:

作者: zhang_lucy

新房利率可以hold UP TO 22 MONTHS, YOU CAN ASK THE BANK TO GET PRE APPROVAL AND KEEP lower rate if the interest is going up this year.

所有银行都这样？

zhang_lucy · Mar 25th, 2010, 18:42

引用:

作者: czzhang

所有银行都这样？

I was told by TD when I bought new home a while ago. I guess every bank shall hold your interests longer for new house as new one takes long time to close, you'd better ask the bank you are going to go directly. Good Luck.

saveisking · Mar 25th, 2010, 21:02

引用:

作者: czzhang

所有银行都这样？

1. First ask banker to do a pre-approval and lock with a proper rate with long holding rate.
2. When it is 4 months away from closing date, shopping the mortgage broker to find the best rate for you. Some broker has amazing rate for you.

Also, you can send email to me to add you on the latest mortgage rate monitoring group, so you get the latest best rate updated.

Hope it helps!

Mar 24th, 2010, 20:32	#1
lionking1327 Senior Member 注册日期: Jul 2004 帖子: 178	新房现在去银行谈mortgage 有必要吗？买了新房，明年5月closing，现在是不是就去银行把mortgage谈好呀？
lionking1327 Senior Member 注册日期: Jul 2004 帖子: 178

Mar 24th, 2010, 20:37	只看该作者 #2
sane0898 大罗0898 注册日期: Jul 2004 帖子: 1,896 声望: 349020	没必要，银行的利率最长只能HOLD 4月，明年1月份再打探。而且新房多数都会延期
sane0898 大罗0898 注册日期: Jul 2004 帖子: 1,896 声望: 349020	...

Mar 24th, 2010, 20:50	只看该作者 #4
zhang_lucy Senior Member 注册日期: Feb 2009 帖子: 191 积分:2 精华:1 声望: 1	新房利率可以hold UP TO 22 MONTHS, YOU CAN ASK THE BANK TO GET PRE APPROVAL AND KEEP lower rate if the interest is going up this year.