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if your credit is ok, and the branch like to give you lowest rate, you can get 5y variable prime-0.75 (4.0) from most of the banks. but for now,

liuhuaiyu(harry)

if your credit is ok, and the branch like to give you lowest rate, you can get 5y variable prime-0.75 (4.0) from most of the banks.

but for now, 1y fixed posted -1.0 (3.55) is better than 5y variable.
so go for that.
and you still have chance to choose 5y variable next year.
I don't think prime will go bellow 4.25 within one year.

But in general, 5y var is better than 1y fixed for 5 years.
just this year, it is special, 1y fixed has more chance to be better than 5y var.
so, this year sign 1y fixed, and next year , sign 5y var.

(#1324746@0)
Last Updated: 2003-8-9
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枫下家园 / 住房话题 / 请问现在MORTGAGE利率一般是多少(FLOATING OR 3/4 Y FIX)? 哪家银行利率较低? 谢谢! -clas(clas); 2003-8-2 (#1315842@0)

I locked on July 9 in HSBC. It is 4.6% for 5 years fixed. Now it is higher. -laofa(老乏); 2003-8-5 (#1318484@0)

5 年4.6很好的rate, 我在Bank of Montreal quote floating要4.35, 是不是太高了? -clas(clas); 2003-8-5 (#1319398@0)

prime - 0.75 will be the best for floating. normaly people can get prime-0.6. yours 4.35, is based on 5% or 4.75% prime? -liuhuaiyu(harry); 2003-8-6 (#1320385@0)

i think it's based on 4.75 prime. which bank has 4.0 loating? -clas(clas); 2003-8-7 (#1322277@0)

if your credit is ok, and the branch like to give you lowest rate, you can get 5y variable prime-0.75 (4.0) from most of the banks. but for now, -liuhuaiyu(harry); 2003-8-9 {550} (#1324746@0)
if your credit is ok, and the branch like to give you lowest rate, you can get 5y variable prime-0.75 (4.0) from most of the banks.

but for now, 1y fixed posted -1.0 (3.55) is better than 5y variable.
so go for that.
and you still have chance to choose 5y variable next year.
I don't think prime will go bellow 4.25 within one year.

But in general, 5y var is better than 1y fixed for 5 years.
just this year, it is special, 1y fixed has more chance to be better than 5y var.
so, this year sign 1y fixed, and next year , sign 5y var.

I believe the variable rate will be more than 4.6% next year, so I choose fixed 5 years for 4.6%. Yes, you can convert to fixed rate later, but you won't be able to get 4.6%. -laofa(老乏); 2003-8-7 (#1321575@0)

5-year fixed, 4.55%, TD bank -rowyourboat(摇呀摇); 2003-8-8 (#1323799@0)

Could ypu tell me which branch it is. -tsman(zymm); 2003-8-8 (#1323965@0)
When did you lock it? around June 18? -laofa(老乏); 2003-8-8 (#1324074@0)

three weeks ago. -rowyourboat(摇呀摇); 2003-8-9 (#1324846@0)

do you have phone number to contact? thanks! -clas(clas); 2003-8-8 (#1324258@0)

check your email -rowyourboat(摇呀摇); 2003-8-9 (#1324851@0)

could you send to me as well. thanks. -tsman(zymm); 2003-8-9 (#1325674@0)

哈哈哈，利率终于涨了，房价大跌举目待望呀。 -chilihorse(辣椒马); 2003-8-9 (#1325035@0)

@San Francisco

if your credit is ok, and the branch like to give you lowest rate, you can get 5y variable prime-0.75 (4.0) from most of the banks. but for now,

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