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Ž

ݴ

Richard Han

Ϊṩרҵ鼰

ѯ绰:  604-781-2688

Email:  aeontfinancial@gmail.com

ӭ˽飡

Ƹͣӭ¾ͼˣ


и෿ݴ; ˽˴, ҵ,

TDʱŻ: RefinanceдתTD BankɷʦѵԼ$1200Ԫ

Żʣ

̶ʣ3.30%

̶ʣ3.40%

긡ʣ3.10%

* еȽڻĸ෿ݴ

* ˽˴ ͵ʡ͵ķãӭϵ˽

* ҵݷ

*  1st Mortgage (һ) 2nd Mortgage ()ȸ෿ݴ

- ṩеŻݹ̶ʼʴƻ

- ѧƻĸϷӵTitleֻΪĵˣݹеĺ˰

ҵ徭췶Χࣺ

* ݴס,Ͷʺͳⷿ,,Թ,ǩ,ʿȸ

* ๤ҵཨش

* Ԣ¥ܹԢ,߲㹫Ԣ,⹫Ԣ,깫Ԣ,ѧ

* ๤̴: ͨ, ҵ, ʩ, ͨѶ, ҵ, ʯͼ๤̴

* ˽˴(ʲֵ, )

ͻ

ʡģڷȫܵ

ģרŵִҵʸ֤飡

ģרҵšɿ

κʱ

Ҫԥʱϵǣ

˵ĸ

ǽƶʺĴ

Сʶ

*1 ݴС֪ʶ---뵽ٴ 
һýϺÿͻ(Good Credit, Good  Income)
жǵʲôλķ,򵥿ݵķʽʹGross Debt Service (GDS) ʽ, "ծ"
GDS= (+Ϣ+˰) / ˰ǰͥ
İҴı(Principal),Ϣ(Interest),˰(Tax),PITܳͥ˰ǰ30 
ԽԽĽڻůҲGDSУ
GDS= (+Ϣ+˰+ů) / ˰ǰͥ
ѹů(PropertyHeat)ҲڵĻ,+Ϣ+˰+ů,PITH,ܳͥ˰ǰ3032%.
йѵĹԢ,Ҫ1/2ĹѼ.
GDS,лʹTotal Debt Service (TDS), "ȫծ" Ĵ.
TDS=(+Ϣ+˰+ů+ծ񹩿)/˰ǰͥ
,зü²ܳͥ˰ǰ40%.
˵ͥ˰ǰ4.85.2ңܴĴͥ˰ǰ6ԪĻ
$6X 5=$30򣬼ܴ$30ԪĴơ
ôл϶ѭGDS32%, TDS40% ׼. ҲЩ˾ܻὫ׼ſһЩʾͻͬ
Ȼ벻ʱĽӽ롢ӵ˵ȵ......
ͨͻ
ȻЩͻڲϽծ˱׼ʱͻȻҪʱһĽڴ˾ῼǽͻʱڹ˾˱׼ҪǿѺһָ꣬LTV(ݵܴ/ݵгֵİٷֱ%)ֻΪο

LTVı׼һ65%-80%(ݷ𼰷ڵijк͵λ)ķֵ100Ԫʱܽ赽Ϊ65Ԫ-80Ԫ֮(һڶmortgageȴܺ)ͻ״ͨһ(͵һͻ)Ȼʱʻ̸ĵһͻʻһЩ

*2 Ĺ̶븡

ݴʷ̶֣ʺ͸ʡ̶ָڼǹ̶ġʾڻڼǿɱģݵʱĻʵĸӦ̶ʵĻȽ϶ѡ࣬£һģ壬ߣʮСһֻֻ꣬ṩ긡һ̶֡УͨͣʣٴһʣʣµʣʲãʲгЩὫΪͣҲнһΪͣΪͣṩزƷΪ㲻ͬҪݴҵԷΪԲƷΪѰʱȽϲͬ²ͬǵͨĸʵκλµĹ̶ʡѡ񸡶ʴڷգʵҲ֮ı䡣Ҳ˶Իʱֹ̬ȶѡʵĸʡڵĻΪߣӶһֱڡ̶һѡڻڼ䲻ɸΪʡȷһλᣨҽһλᣩijɹ̶ʣijɵĹ̶ͨʣĹ̶ʡ֮ܶѡʹ̶򸡶Ӧ״ϣ¸߿ѡ̶ʣԻʱֹ̬ѡ񸡶ʡ

*3 ܴԼڣ

뷿ʱԼҪһޡͬʱгָߡĿǰΪ30꣬ٲнڻԵ35ꡣܴޣAmortizationֻڼÿ»ʱ䳤ÿ»͵ͣ˼ʱÿ¸ծҲԾ͵͡仰˵ͬǰ£ҲͿԴķһ棬ÿ»еϢҲԽߡһ趨ܻڣüǩĺԼȷǰҪǩԼڷ֣6¡1ꡢ2ꡢ3ꡢ4ꡢ5ꡢ710ꡣÿֺԼڵʶͬԭԽ̵Խ͡ѡ3ʣô3ǰѡʽͬһУҲԽķתһʸӵ͵Сڼôѡ񷿴ƷʱҪгı仯ƺ

*4 йصı˰ --- T1T2T3T4T4A

T1 ˻Թ˰񱨱

T2: ˾˰˰񱨱

T3: ƱծϢ˰񱨱

T4: Աһ˰񱨱

T4A: ɻ߷ֺ죩commission or bonus Ա˰񱨱

*5 ǰķϢμģ

ͨ£ʣvariable rateʽҴķΪ3Ϣ̶ʣfixed rateʽҴķְ취ִнϸߵĽһǰϢ㣬һIRD Interest rate differential㡣ĴǷʽ̶ʰҴӷſ֮㿴ƪʱֹʹòͬеļ㷽ʽڼIRDʱóĽһ¡ռôҵзȨƶ취ġмIRD㷽һµƻ᳤ʱڡѡУԼѡʱҪλעⷣ⡣ڴ֮ǰ˽еķߣպ“һ”


ϵϢ

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