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@San Francisco

details,

beetgrey(我的爱赤裸裸)
one year fixed closed contract
20K
2 year amortization
900/month
20/20 limit for HSBC normal contract
after I double paid 4 months
I asked my manager whether it reached the 20/20 limit
4*900 = 3600 = 18% of principle
if there is 20/20 limit, I cannot double play anymore
my manager told me, for under 3 year mortgage, there is no 20/20 limit
so I am very happy to keep double paying...
hehe, donot think I am rich because there is only 20K mortgage,
HSBC can divide your mortgage into different terms, hehe, there is another huge one
(#1583318@0)
Last Updated: 2004-1-30
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Replies, comments and Discussions:

  • 枫下家园 / 住房话题 /
    tor
    Toronto Area
    请问：买房后除了每月付mortgage外，好像每年还有一个额度可以再多付一些，哪位朋友知道这个额度是多少？另外如果当年没用此额度，是否可以累加到下一年？谢谢。 -ljtj(ljtj); 2004-1-30 (#1583198@0)
    • 得看你自己的contract, 一般是10%左右. 不可累计到下一年 -onboard(onboard); 2004-1-30 (#1583210@0)
      • 各位，还有一疑问：此是否按公例年制算，而不是你贷款日的年循环？另外，此额度可否在一年内分几次用完，而不是一次？多谢 -ljtj(ljtj); 2004-1-30 (#1583247@0)
        • depends on your mortage manager and bank, some bank you can pay it at any time, some bank only allow you double your each payment and make lump payment at end of year (from your mortage date). -beetgrey(我的爱赤裸裸); 2004-1-30 (#1583271@0)
    • depends on your mortgage contract, 5%-20%, you cannot accumulate it -beetgrey(我的爱赤裸裸); 2004-1-30 (#1583211@0)
      • 多谢楼上二位 -ljtj(ljtj); 2004-1-30 (#1583217@0)
        • 哦，还有，HSBC的似乎3年以下的MORTGAGE每年没有还款额度限制，至少这么告诉我的。 -beetgrey(我的爱赤裸裸); 2004-1-30 (#1583223@0)
          • must be variable rate mortgage, it normally has no penalty. -clear(clear); 2004-1-30 (#1583236@0)
            • no, mine is one year close fixed -beetgrey(我的爱赤裸裸); 2004-1-30 (#1583238@0)
              • the one year closed is too short for a fixed mortgage. the bank may waive the penalty because you can repay all the outstanding principle after one year anyway. -clear(clear); 2004-1-30 (#1583252@0)
                • The manager told me it's same for 2 yr fixed, and you can see many people are using 1-2 yr fixed recently, it's even lower than variable. And I donot need wait to the expiry date, I can double pay all 12 months -beetgrey(我的爱赤裸裸); 2004-1-30 (#1583260@0)
                  • yes, double pay is optional for all the fixed mortgages, I think we are talking about if there is any limit, I guess there is still a ceiling on how much you can repay per calender year. -clear(clear); 2004-1-30 {333} (#1583273@0)
                    (for variable mortgage no such cap),say if you make a lot of money on NT:-) and want to pay off all your balance for a 3 year fixed mortgage. I don't think the bank will let you get out of the mortgage without giving them some sort of compensation. Again some bank may do so for promotion, but I don't think it is a general policy.
                    • hehe, because my 1yr mortgage is just 20K, if I double every month, I will pay off it before the 1 yr expiry date, which means, I paid over the normal limit, hehe, just a individual case -beetgrey(我的爱赤裸裸); 2004-1-30 (#1583279@0)
          • 一般Term Mortgage都有LIMIT，否则就是Open了。你肯定是特殊情况。 -dundas888(登达寺); 2004-1-30 (#1583295@0)
            • details, -beetgrey(我的爱赤裸裸); 2004-1-30 {545} (#1583318@0)
              one year fixed closed contract
              20K
              2 year amortization
              900/month
              20/20 limit for HSBC normal contract
              after I double paid 4 months
              I asked my manager whether it reached the 20/20 limit
              4*900 = 3600 = 18% of principle
              if there is 20/20 limit, I cannot double play anymore
              my manager told me, for under 3 year mortgage, there is no 20/20 limit
              so I am very happy to keep double paying...
              hehe, donot think I am rich because there is only 20K mortgage,
              HSBC can divide your mortgage into different terms, hehe, there is another huge one
              • If I understand correctly, what the manager meant with "under 3 year mortgage", was that you mortgage has only 2-year amortization. And no limit for this type of mortgage is very common. :) -dundas888(登达寺); 2004-1-30 (#1583377@0)
    • 每個人的貸款條件不一樣．比如，１５／１５，即每年可有一次多付１５％的還款機會，還有一次可達貸款總額１５％的額外還款機會．這些機會，不能轉移到下一年． -rollor(Rollor); 2004-1-30 (#1583225@0)

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