用equity 投资买房的贷款问题？

brian123

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%)
& M4 N0 }$ t& n! ~带出的 equity 是不是叫second Mortgage.
4 U, C7 o6 T' U5 g+ V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

; r0 H' T3 S1 l% ]5 }9 R' I[ 本帖最后由 brian123 于 2007-5-9 09:07 编辑 ]

QWE321

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

1. (40-23) x 75% = 12.75 W
2. 利率： 6%， CIBC, promotion now (prime - 1 = 5%)
! V& a' M+ l- P& |- m6 d- [3. 对于投资房 25%的downpayment is a good choice, but depends on individual case.

brian123

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

原帖由 WST 于 2007-5-9 09:41 发表
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.

2 E7 H" [- M4 tTHE 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

原帖由 brian123 于 2007-5-9 10:19 发表
- N' @3 @6 _, G5 ACan 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

+ [& b9 ^9 w% t: y! s8 V% f! N' WCall 1-800-264 6843 to apply, or go to any branch.

BaiLing

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

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

francais

原帖由 brian123 于 2007-5-9 10:19 发表
1 G; E( I8 I/ a$ ?+ c! |' C2 @0 CCan 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

$ G  ^- |2 d" M* U8 R
4 S0 a9 h/ |6 H/ M- L7 Q5 M6 s, R你英文如果好，建议你直接去分行预约一下子，很快的。
+ U( n- o, ^7 E+ Y我刚办理完 home line of credit .
" x" Q  `% @7 K: V/ u+ o如果想找讲中文的试试这里 帖子里面大家推荐的
* @# K$ R8 v  g# ?1 ]( _
; n& a( `2 b# S1 t* [/ `6 fhttp://www.edmontonchina.cn/viewthread.php?tid=87898
( m  r( @9 ~; s; o% e" Y9 _
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。