用equity 投资买房的贷款问题？

brian123 · 发表于 2007-5-9 08:05

如果一个市价40万的房子（with mortgage 23万）大概带出多少equity，利率大概是多少？(听说要9%，还有人说就是6%)
带出的 equity 是不是叫second Mortgage.
对于投资房来说，听说最好能幅25%的downpayment.
是不是 equity 是用来付这25%的 downpayment，然后就可以用正常的利率来贷款买投资房了？
多谢

[ 本帖最后由 brian123 于 2007-5-9 09:07 编辑 ]

QWE321 · 发表于 2007-5-9 08:39

FOR 400K HOUSE, YOU CAN MAX YOUR HOME EQUITY LOAN 75% WHICH IS $300K, BUT YOU HAVE 230K MORTAGE, YOU CAN HAVE 70K EQUITY LOAN TO USE BUY OTHER PORPERTY. HOW MUCH YOU CAN BORROW FOR YOUR SECOND MORTAGE DEPENDS ON YOUR INCOME.

WST · 发表于 2007-5-9 08:41

1. (40-23) x 75% = 12.75 W
2. 利率： 6%， CIBC, promotion now (prime - 1 = 5%)
3. 对于投资房 25%的downpayment is a good choice, but depends on individual case.

brian123 · 发表于 2007-5-9 09:19

Can you tell me the CIBC person to contact for (prime-1=5%) interest？ I did search the CIBC website and find no infor on equity rate. Thank you

QWE321 · 发表于 2007-5-9 09:37

原帖由 WST 于 2007-5-9 09:41 发表 : i* m6 d# G, H6 A' X3 ` M) T
1. (40-23) x 75% = 12.75 W
9 I5 I" |7 K. x+ i# B6 }1 q2. 利率： 6%， CIBC, promotion now (prime - 1 = 5%)( n% s( m! M( S7 m) {5 o/ {
3. 对于投资房 25%的downpayment is a good choice, but depends on individual case.

THE FORMULAR IS DIFFERENT FROM WHAT I WAS TOLD:
40 X 75% -23=7 W
YOU ONLY CAN GET THIS LOAN FROM YOUR CURRENT MORTAGE BANK, IF YOU ARE NOT WITH CIBC NOW, THEY WOULD'T DEAL WITH YOU.

WST · 发表于 2007-5-9 09:37

原帖由 brian123 于 2007-5-9 10:19 发表
( ^; s i6 g: y8 w8 s/ b1 tCan you tell me the CIBC person to contact for (prime-1=5%) interest？ I did search the CIBC website and find no infor on equity rate. Thank you

Call 1-800-264 6843 to apply, or go to any branch.

BaiLing · 发表于 2007-5-9 19:27

40 X 75% -23=7 W (right)

(40-23) x 75% = 12.75 W (not right)

francais · 发表于 2007-5-10 13:01

原帖由 brian123 于 2007-5-9 10:19 发表 0 F/ G1 k' e! |% q4 c2 W
Can you tell me the CIBC person to contact for (prime-1=5%) interest？ I did search the CIBC website and find no infor on equity rate. Thank you

你英文如果好，建议你直接去分行预约一下子，很快的。
我刚办理完 home line of credit .
如果想找讲中文的试试这里帖子里面大家推荐的

http://www.edmontonchina.cn/viewthread.php?tid=87898

我个人觉得最好去分行预约，或者电话到家附近的银行预约。很快。
我本来也是打电话约讲国语的给我回复，可是等了一个星期也没有结果，最后还是去了银行预约。评估1个星期搞掂。

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用equity 投资买房的贷款问题？

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