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只看楼主 | 主题工具 |
| Oct 26th, 2010, 23:05 | #1 |
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Junior Member
注册日期: Sep 2010
帖子: 21
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【新闻】什么是collateral mortgages？
听说ＴＤ对新房屋按揭采用collateral mortgages，而以前的是Conventional Mortgages. 这究竟有什么差别？ |
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| 太平洋的小鱼儿 |
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| Oct 26th, 2010, 23:40 | 只看该作者 #2 |
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Senior Member
注册日期: Jul 2004
住址: 同时代理全加数十家银行或金融机构的房屋抵押贷款产品.
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It’s a loan attached to a promissory note and backed up by the collateral security of a mortgage on a property. 一般来说, collateral mortgage仅仅给HLOC用. TD决定新的房屋贷款一律采用collateral mortgage的原因恐怕是想让顾客比较难离开TD, 因为collateral mortgage是不能直接转移的. |
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Licensed Mortgage Associate Phone (403) 608-6186 Fax 1-888-785-8708 Toll Free 1-877-366-3487 |
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| Calgary |
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| Oct 26th, 2010, 23:45 | 只看该作者 #3 |
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Member
注册日期: Oct 2009
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a collateral mortgage is normally registered for floating or revolving debt such as a secured line of credit. It allows for the balance to float up or down. TD will register a collateral charge for 125% of the loan amount… this will allow the client to come back at a later date and apply to increase their mortgage if needed…. in theory, it sounds great…no legal fees required in the future if you need to refinance… and easy approval… But, a COLLATERAL MORTGAGE is NOT portable…meaning you cannot transfer to another institution…you will lose some leverage to negotiate the rate when your mortgage matures… and if you wanted to increase your mortgage in the future, you would need to reapply for approval…let’s suppose you don’t qualify in the future..not because your situation changed but because the Bank’s lending policy changes…this happens regularly….you would now have to seek out an entirely new 1st mortgage as no other lender would register a 2nd mortgage in behind a collateral first mortgage (at least none that I am aware of)… that could mean penalties, definitely legal fees and other costs…. It’s obvious that a big reason TD would be doing this is to improve mortgage retention.. this makes it less appealing to leave TD because of the costs…. |
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| Luxmal |
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