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Www Homeequitymortgagepayment Tag Img Height Home Equity Mortgage Payment 加拿大如何申请房屋贷款(Mortgage) - 银行 - 加拿大理财网 - 多伦多中文门户 - 约克论坛
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那么向信用公司借Mortgage是不是就意味着你就要付很多钱在利息上了呢?这也是很多华人最关系的问题之一。大家都知道在现在加拿大Mortgage偿还的形式叫做PartiallyAmortized Mortgage，就是说分期偿还贷款，这里的Amortization指的是贷款的总长度比如说20年，25年等，而在Amortization里面又分出Term也就是从6个月到5年的还款期，当一个Term结束的时候，你可以选择一次性付清(Payoff)或者是重新申请Mortgage。所以即使你第一个Term是向信用公司借的Mortgage，当你会了有稳定的收入来源
之后，你还是可以把Mortgage转回到大银行而享受低利率，而在第一个5年Term的时候您的确付的利息会比银行高(不会高太多)一些，不过您买到的房子的价值也同样在以每年5-15%左右递增，这样一来，房子升值的价值大大超过你所多付的利息，而您又能早日拥有自己的房子，免去租房，搬家之苦，何乐而不为呢。