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最近有人申请到好的secured LOC吗?去年买的房子,一直想要做个LOC,一直没腾出时间来。现在今年之内完成这个任务。谢谢了! (水城百事)

by 谢谢了!, Tuesday, November 30, 2010, 16:33

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我刚做了一个16万的LOC,把房子抵押了

by aeiou ⌂, Tuesday, November 30, 2010, 16:35 @ 谢谢了!

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羊羊羊

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最关心的:什么利率?手续费多少?其他还有什么条件/要求?老婆给的任务,要精益求精才能交差啊!

by 谢谢了!, Tuesday, November 30, 2010, 17:23 @ aeiou

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利率P+1, 手续费$399, 如果在3个月内用满3万就免,条件不太清楚,需要T4, 工资单和房屋购买合同。银行人问我要多少额度,我说15万,她说行,不知道她搞三搞四变成了16万。

by aeiou ⌂, Tuesday, November 30, 2010, 17:34 @ 谢谢了!

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羊羊羊

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请问CIBC是你的Home bank吗?我的在Scotia Bank,不知道什么情况。

by 谢谢了!, Tuesday, November 30, 2010, 17:36 @ aeiou

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是的。我想各个银行大同小异

by aeiou ⌂, Tuesday, November 30, 2010, 17:37 @ 谢谢了!

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羊羊羊

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我有个20多万的在scotiabank,据说随时可以取出现金,给我一叠支票,不过从来没有用过,签字是是prime rate,现在据说他们私自加成了

by p, Tuesday, November 30, 2010, 17:44 @ 谢谢了!

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p +

by 1, Tuesday, November 30, 2010, 17:47 @ p

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你没看清条款,通常允许最大可以加到+4

by 416, Tuesday, November 30, 2010, 20:33 @ p

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对了,你的手续费包括了律师费吗?如果是,需要自己找律师吗?还是全部直接都在银行做的?谢谢了!

by 谢谢了!, Tuesday, November 30, 2010, 18:04 @ aeiou

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投资什么好呢?

by 搞股票?, Tuesday, November 30, 2010, 17:36 @ aeiou

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去发烧?搞车震?

by , Tuesday, November 30, 2010, 17:37 @ 搞股票?

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周末听了一个理财的讲座,发现Bond 也是一个不错的投资

by aeiou ⌂, Tuesday, November 30, 2010, 17:39 @ 搞股票?

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羊羊羊

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什么好bond?回报能还上利息吗?

by , Wednesday, December 01, 2010, 12:54 @ aeiou

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具体的不太懂,嘿嘿

by aeiou ⌂, Wednesday, December 01, 2010, 13:01 @ ?

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羊羊羊

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给你提个醒,最近债券跌,因为股市涨了,加息在即

by 以免后悔, Thursday, December 02, 2010, 10:39 @ aeiou

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在TD做了,很好使

by 很灵活, Tuesday, November 30, 2010, 16:40 @ 谢谢了!

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我是CIBC做的,你利率是P+1吗?legal fee是多少?

by aeiou ⌂, Tuesday, November 30, 2010, 16:42 @ 很灵活

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羊羊羊

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LOC能用来干吗?

by 一个外行, Tuesday, November 30, 2010, 16:46 @ aeiou

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TD给我免了近500刀的费用

by 416, Tuesday, November 30, 2010, 20:30 @ aeiou

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最关心的:什么利率?手续费多少?其他还有什么条件/要求?老婆给的任务,要精益求精才能交差啊!

by 谢谢了!, Tuesday, November 30, 2010, 17:34 @ 很灵活

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搭车问,LOC是不是越大越好,会不会影响其他贷款能力

by coasking, Tuesday, November 30, 2010, 17:47 @ 谢谢了!

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影响,我上次他们就说付清了房子有loc,不想给我贷款买

by 二套房, Tuesday, November 30, 2010, 17:50 @ coasking

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你是不是在上面欠款了?如果里面没有balance,不影响

by wolf, Wednesday, December 01, 2010, 13:10 @ 二套房

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当然没有balance,这帮家伙胡搞,一定要在从银行开个证明

by 他们其实自己也查到了0 balance, Wednesday, December 01, 2010, 14:26 @ wolf

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