有谁知道住房贷款前5年过了之后，利率是怎样算的？

啸月

请各位高手指教，谢谢

MyFairy

Or simply pay it off

紫光

5年之后，根据当时的央行利率定，一般都可以在央行利率上减去0.75%-1%再锁定5年（至少不超过央行利率）。
' k0 M, y0 ?; Z9 A* p: h( E“Shop around to find a better mortgage deal and start again ”
$ {$ l9 q) n8 P* z要求你现在的银行match最好的deal。

啸月

谢谢两位的回答。

9 ^6 J9 W1 _  T6 u, m以下是PC  Account Manager 的回答：
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$ v" Q4 U% k8 ]1 v  \"You have the option to renew into any term/product after the initial five year term is up.  We will send you a renewal offer at least 90 days prior to end of your term (the maturity date) and you will be able to select either a variable rate mortgage with a five year term or a fixed rate mortgage with a term between two and ten years (you may choose).

; F- X$ i: z$ y5 h

Unfortunately, no one can predict where rates will be in five years.  With PCF, unlike some other banks, our posted rates are our actual rates.  Other banks have very high posted rates and require that you negotiate a lower rate with them, so they will offer much less attractive rates upon renewal and you have to negotiate something better.


& ?6 L* x% y8 k5 R, ~# B
0 F, c& a$ p# h* ?, W  Y+ a9 dAs you will have our renewal offer well in advance of your maturity date, you will have plenty of time to decide upon a product or to move the mortgage to another institution, but I trust that you will find our renewal rate to be among the best in the market."

April

Rate is not the only thing to look at.
- i* b+ R1 ~, \) \
1 s$ v" n: o3 g& {$ U$ V' `Actual rate from PCF is negotiable.

6 ^% D9 P( z; H9 lBe very careful with all the terms and services. (Where did you find the account manager?)

Good luck!

chun

如果你是5年的TERM。 5年后你与该银行的合同就已结束。 你需要另签一新按揭贷款合同，定期的或活期浮动的。 你也有权找另一银行贷款。记住，不要听银行所告诉你的利率。要货比3+家。 直到找到满意的为止。 一般第一次和银行谈是很难得到满意的利率的。祝好运。