【求助】原来的固定利率太高了，请教转按揭的经验，比如现在转V

mtlu2 · Jan 4th, 2009, 09:16

原来的固定利率太高了，请教转按揭的经验，比如现在转VARIABLE.有没有人做过，手续费贵不贵？谢谢

moccafirst · Jan 8th, 2009, 00:41

现在转未必比你当初的固定利率低多少，你还要交罚金。这个取决于你还有几年mortgage和同到期，还有你能找到什么样的浮动利率。

worlddreamer31 · Jan 8th, 2009, 03:12

mortgage amortization 计算器
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苏宁 · Jan 26th, 2009, 15:22

引用:

作者: mtlu2

原来的固定利率太高了，请教转按揭的经验，比如现在转VARIABLE.有没有人做过，手续费贵不贵？谢谢

转没转,我也想转

有门! · Jan 26th, 2009, 18:31

引用:

作者: 苏宁

转没转,我也想转

找原来的银行，让他们想办法把利率调低点，从新定合同，但别想着一下子调很低。比方说原来5.2，有希望调到4.6等，时间可能需要超过原定合同结束期。不给解决，就告诉他们准备走人。

mtlu2 · Jan 26th, 2009, 20:37

Not yet, no time to call banks. now I see 5 years 3.99% fix as advertised.

mtlu2 · Jan 29th, 2009, 22:40

You are right, my bank now willing to 从新定合同, I will see if I can get a good rate.

引用:

作者: 有门!

找原来的银行，让他们想办法把利率调低点，从新定合同，但别想着一下子调很低。比方说原来5.2，有希望调到4.6等，时间可能需要超过原定合同结束期。不给解决，就告诉他们准备走人。

有门! · Jan 29th, 2009, 22:49

引用:

作者: mtlu2

You are right, my bank now willing to 从新定合同, I will see if I can get a good rate.

过几个月（比如半年）再去从新定个合同，把现在的再推翻，利息会调得更低。银行现在怕走老客户，新客户比以往少很多，如果利息差得太多一般他们都会给调的，而且不调都没办法，因为客户已经达到认罚走人的地步，帐谁都会算的。

h128 · Feb 25th, 2009, 02:25

引用:

作者: 有门!

过几个月（比如半年）再去从新定个合同，把现在的再推翻，利息会调得更低。银行现在怕走老客户，新客户比以往少很多，如果利息差得太多一般他们都会给调的，而且不调都没办法，因为客户已经达到认罚走人的地步，帐谁都会算的。

问题是认罚罚不起呀，今天去银行问了，要罚一万多。真是抢钱呀，它要罚利息差额，那省下来的都罚掉了，那还有什么意义呢。

h128 · Feb 25th, 2009, 02:27

引用:

作者: mtlu2

You are right, my bank now willing to 从新定合同, I will see if I can get a good rate.

哪家银行那么好。恨死BMO了。

相逢红尘 · Feb 25th, 2009, 08:59

引用:

作者: h128

哪家银行那么好。恨死BMO了。

５．７４％，剩余贷款175000，剩余合同3年，说如果离开，罚款1万2，开始说9千，去年说罚4千，都是由他们乱说，以后不要去BMO贷款了，太可怕了。而且服务不好，打电话没人接，留言也没人回，连续几天留言都不理睬。在ＳＣＡＲBOROUGH，那个银行。

stakeholder · Feb 25th, 2009, 13:00

引用:

作者: 相逢红尘

５．７４％，剩余贷款175000，剩余合同3年，说如果离开，罚款1万2，开始说9千，去年说罚4千，都是由他们乱说，以后不要去BMO贷款了，太可怕了。而且服务不好，打电话没人接，留言也没人回，连续几天留言都不理睬。在ＳＣＡＲBOROUGH，那个银行。

问问他们怎么算的，应该不会有1万多，三个月的利息只有2千多，利差也不会有那么多，你贷款时的公布利率是多少？别让他们诈胡你。现在银行每天都有人要求减息，他们当然不愿意煮熟的鸭子又飞了。

但是V利率未必好，如果如同有点经济学家的论调，第二波经济危机将导致利率狂升（美国恶性通胀）。

我的策略是借LOC（P），还高利息mortgage。基本上将整体负债的利息从5%降低到4.4%而没有罚金。当然这样也有风险，如果银行提高LOC利率，节省将减少，但终必比没有saving好。

not-so-cute · Feb 25th, 2009, 18:02

引用:

作者: stakeholder

问问他们怎么算的，应该不会有1万多，三个月的利息只有2千多，利差也不会有那么多，你贷款时的公布利率是多少？别让他们诈胡你。现在银行每天都有人要求减息，他们当然不愿意煮熟的鸭子又飞了。

但是V利率未必好，如果如同有点经济学家的论调，第二波经济危机将导致利率狂升（美国恶性通胀）。

我的策略是...

I only got LOC (under $25000 credit) rate Prime+3.5 from ATB, even I got outstanding credit record.
so 4.4%? I

stakeholder · Feb 25th, 2009, 19:21

引用:

作者: not-so-cute

I only got LOC (under $25000 credit) rate Prime+3.5 from ATB, even I got outstanding credit record.
so 4.4%? I

Sorry, too bad too sad.

Your LOC is not secured LOC, which normal P or P+1.

h128 · Feb 26th, 2009, 00:00

什么是LOC, 找银行谈吗?

t36ydg · Feb 26th, 2009, 13:36

actually the penalty calculation is confusing me. my mortgage has 40months to go with 245000 balance, my rate was 4.94%. the bank(TD) told me the IRD (interest rate differential) is calculated by

(4.94%-5.75%)*245000*40/12=6615

where 5.75% is TD's current post interest rate for 3 year fix rate mortgage.
other banks (BMO, RY) have much lower interest rate for this term. I don't know how can you people still get penalty >10k.

引用:

作者: stakeholder

问问他们怎么算的，应该不会有1万多，三个月的利息只有2千多，利差也不会有那么多，你贷款时的公布利率是多少？别让他们诈胡你。现在银行每天都有人要求减息，他们当然不愿意煮熟的鸭子又飞了。

但是V利率未必好，如果如同有点经济学家的论调，第二波经济危机将导致利率狂升（美国恶性通胀）。

我的策略是...

WENT · Feb 26th, 2009, 13:56

引用:

作者: t36ydg

actually the penalty calculation is confusing me. my mortgage has 40months to go with 245000 balance, my rate was 4.94%. the bank(TD) told me the IRD ...

(4.94%-5.75%)*245000*40/12=6615

按以上算法，银行应该倒给你钱呢？-6615$

sunshine · Feb 26th, 2009, 13:58

引用:

作者: h128

问题是认罚罚不起呀，今天去银行问了，要罚一万多。真是抢钱呀，它要罚利息差额，那省下来的都罚掉了，那还有什么意义呢。

我和你情况一样，我的BALANCE还有三十多万，也是要罚一万多，而且我打过三个电话问不同的人，都是同样的结果。。。所以也不去想转的事了。

t36ydg · Feb 26th, 2009, 14:18

that was what I told them

引用:

作者: WENT

按以上算法，银行应该倒给你钱呢？-6615$

stakeholder · Feb 26th, 2009, 17:26

there is an example:

IRD is basically the loss of interest calculated over the remaining time left on the mortgage.

If you are in your first 3 years of your 5 year term and would like to refinance your mortgage to benefit from today’s low rates then you may have to pay IRD penalty which is the difference between the posted rate when you obtained your mortgage and today’s posted rate.

Here is how First Line Mortgages calculate IRD:

If your rate is 6.5% but had a discount of 0.50% therefore rate for calculation penalty would be 7%.

Let’s assume you have 4 years left in term and current posted rate for 4yrs is 5%.

Take 7 – 5 = 2% rate differential.

Take outstanding balance of say $100,000 x 0.02 (difference in rate in decimal point) = $2000 (annual interest cost)

$2000/12 = $166.67 (estimated monthly interest)

$166.67 x 48 = $8000.16 is estimated IRD cost using estimated monthly interest multiplied by 48 month left remaining in term.

Jan 4th, 2009, 09:16	#1
mtlu2 Senior Member 注册日期: Jun 2006 帖子: 268	【求助】原来的固定利率太高了，请教转按揭的经验，比如现在转V 原来的固定利率太高了，请教转按揭的经验，比如现在转VARIABLE.有没有人做过，手续费贵不贵？谢谢
mtlu2 Senior Member 注册日期: Jun 2006 帖子: 268

Jan 8th, 2009, 00:41	只看该作者 #2
moccafirst 小毛娘注册日期: Oct 2006 住址: Vancouver 帖子: 52,206 积分:388 精华:105 声望: 120271118	现在转未必比你当初的固定利率低多少，你还要交罚金。这个取决于你还有几年mortgage和同到期，还有你能找到什么样的浮动利率。
	灌水灌到花儿谢? Mission Impossible! my baby

Jan 8th, 2009, 03:12	只看该作者 #3
worlddreamer31 IT activist 注册日期: Mar 2005 住址: Globe Village 帖子: 1,731 积分:4 精华:3 声望: 1797412	mortgage amortization 计算器 http://forerunner6.googlepages.com/freedownloads
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Jan 26th, 2009, 20:37	只看该作者 #6
mtlu2 Senior Member 注册日期: Jun 2006 帖子: 268 声望: 3046	Not yet, no time to call banks. now I see 5 years 3.99% fix as advertised.
mtlu2 Senior Member 注册日期: Jun 2006 帖子: 268 声望: 3046

Feb 26th, 2009, 00:00	只看该作者 #15
h128 Senior Member 注册日期: Sep 2005 帖子: 243 声望: 50076	什么是LOC, 找银行谈吗?
h128 Senior Member 注册日期: Sep 2005 帖子: 243 声望: 50076

Feb 26th, 2009, 17:26	只看该作者 #20
stakeholder Senior Member 注册日期: Jul 2004 帖子: 195 声望: 31603	there is an example: IRD is basically the loss of interest calculated over the remaining time left on the mortgage. If you are in your first 3 years of your 5 year term and would like to refinance your mortgage to benefit from today’s low rates then you may have to pay IRD penalty which is the difference between the posted rate when you obtained your mortgage and today’s posted rate. Here is how First Line Mortgages calculate IRD: If your rate is 6.5% but had a discount of 0.50% therefore rate for calculation penalty would be 7%. Let’s assume you have 4 years left in term and current posted rate for 4yrs is 5%. Take 7 – 5 = 2% rate differential. Take outstanding balance of say $100,000 x 0.02 (difference in rate in decimal point) = $2000 (annual interest cost) $2000/12 = $166.67 (estimated monthly interest) $166.67 x 48 = $8000.16 is estimated IRD cost using estimated monthly interest multiplied by 48 month left remaining in term.