 鲜花( 473)  鸡蛋( 2)
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问题2:朋友二年前到银行存了两万元理财产品, 利率为3.79%,当时规定第一年的每月15号可以取出,第二年第三年只能在周年日取出,如果当时的利率低过理财产品的利率可以取出(不知有没有罚款)今年9月份第二年到期,当时没有注意,错过取出时机,现在朋友准备买房,是:- B" F% H1 F; s3 l5 R( j+ z6 M
(1) 是取出这笔钱作为首付(听银行说拍卖后才可以)。
) ^# c& J7 Y& X6 P+ ^0 l1 k/ k; t(2)用这笔钱作为抵压借上活期作房子贷款的首期。, f3 F) B" ~$ Q. Q" M$ H
(3)不管这笔钱,先收取一年的利息再说(这笔钱的利息从利率上看是高过贷款利息,但房子贷款计的复利,且存款利息要交收入税的)等到期后,作为每年多的但配。& k: K$ h% S. l! L
) y; Q; V3 ?5 W* w7 E depends on how much downpayment this person has already, 5--20 % , if you can save CMHC fee because of this , then it worth it .
+ e1 T; h3 `) m0 X5 ~; y, z8 s$ `' `1 \( U* d2 f
It is called `GIC BUY BACK `,and it is not that bad , considering the CMHC , even Genworth ,
' g8 _! u9 @0 t t8 } kbesides you can get a quote from the bank , see how much will you get , then go from there . |
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