要借钱买个二手车，大概2万，是车的一半价钱。dealer的利息太高，请教一下，这种情况可以在银行借吗？大概利率多少？另外那个Line of Credit是什么东西？ (水城百事)

by 999, Sunday, January 31, 2010, 11:00

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1113 views

跟DEALER差不多或高

by 甲壳虫, Sunday, January 31, 2010, 12:21 @ 999

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1209 views

什么车，这么贵？

by ?, Sunday, January 31, 2010, 13:39 @ 999

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1009 views

说的是假如

by 999, Monday, February 01, 2010, 17:15 @ ?

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1041 views

下午去银行，他们有一种用房产担保的Line of Credit，大概利率是P+1,是3.25，这个利率算好吗？用房产抵押会有什么问题吗？网上那里有算月付，双周付的计算器，还有一种双周加速付。

by 999, Sunday, January 31, 2010, 20:50 @ 999

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1046 views

买旧车能贷到这样的，已经太好了

by 416, Sunday, January 31, 2010, 23:05 @ 999

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990 views

另外，Line of Credit不是按月按周算的，是按天计算的

by 416, Sunday, January 31, 2010, 23:08 @ 416

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1074 views

好像这种借钱方式不限制你干什么，只需要房产抵押

by 999, Monday, February 01, 2010, 17:04 @ 416

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1008 views

申请这种带房产担保的Line of Credit,需要手续费，大月150~160。据说有免掉的，但是我没碰到。

by HH, Monday, February 01, 2010, 12:15 @ 999

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995 views

那是律师费，免也是有条件的，在某天的时候你要用满多少额度，有人在那个日期前介入，然后再过两天还清，这样只付3天的利息而省掉律师费。

by 649, Monday, February 01, 2010, 12:17 @ HH

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1041 views

原来是这样

by HH, Monday, February 01, 2010, 12:23 @ 649

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1040 views

CIBC 要400-600手续费, shit

by 999, Monday, February 01, 2010, 13:12 @ HH

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1122 views

150-160确实是便宜，4年前做CIBC的花了我$300

by aeiou , Monday, February 01, 2010, 13:30 @ HH

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1140 views

Aeiou给说说房产担保的Line of Credit有什么不好的地方。银行的人建议尽量用手里的现金余钱，然后做一个房产担保的Line of Credit账号，可以随时借钱，随时还钱，没有限制，是这样吗？

by 999, Monday, February 01, 2010, 17:03 @ aeiou

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1043 views

当然是用手上的现金了，LOC 是要付利息的，但你随时可以用。

by aeiou , Monday, February 01, 2010, 17:25 @ 999

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1064 views

强力推荐你有一个Line of Credit ，你不用也没有利息，如果有事情急需用钱，亲戚朋友都不在加拿大，借钱很难的。:-) 亲眼所见过一些例子

by aeiou , Monday, February 01, 2010, 17:35 @ 999

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1768 views

一般这种Account的还款利率是多少？CIBC 给的P+1 是否还可以低？我现在房子的贷款利率是P-0.9，能不能在我房子贷款的银行得到更低的Line of Credit利率？

by 999, Monday, February 01, 2010, 18:51 @ aeiou

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1426 views

正常。我以前LOC签的是P, 去年给我加成P+1.

by aeiou , Monday, February 01, 2010, 19:22 @ 999

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1132 views

签完后还加？

by 999, Monday, February 01, 2010, 21:15 @ aeiou

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1022 views

当时CIBC用多久审批下来？听说还需要派Home Inpector去家里检查，是吗？

by 999, Monday, February 01, 2010, 17:07 @ aeiou

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1191 views

不是Home Inspector,应该Appraiser, 不一定会进屋，有时只看一下外面。

by aeiou , Monday, February 01, 2010, 17:22 @ 999

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1076 views

谁知道旁边的一些银行里有说中文的吗

by 999, Monday, February 01, 2010, 17:05 @ 999

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1074 views

汇丰银行(HSBC)的汤晶

by aeiou , Monday, February 01, 2010, 17:26 @ 999

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1101 views

知道电话吗？

by 999, Monday, February 01, 2010, 21:38 @ aeiou

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1066 views

(519) 745-3373

by aeiou , Monday, February 01, 2010, 22:01 @ 999

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1324 views

申明一下：喜洋洋本人并非地产和贷款从业人员，只是对该行业了解多一点，所表述的大嘴观点和意见仅供参考，不作为交易依据。具体的咨询专业地产和贷款经纪。 :-)

by aeiou , Monday, February 01, 2010, 19:25 @ 999

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1095 views

别担心，只是想在接触专业人员之前，尽量了解更多的信息。TD银行给的利率一样，他们的Set up费用是$750=$250（Appraiser）+$495（律师费）

by 999, Monday, February 01, 2010, 21:05 @ aeiou

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1049 views

挺Humble的

by HH, Tuesday, February 02, 2010, 10:14 @ aeiou

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1038 views

一向如此 :-)

by aeiou , Tuesday, February 02, 2010, 11:09 @ HH

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