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Vancouver Off-Topic / Current EventsThe off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.
Willing to sell a family member for a few minutes on RS
Join Date: Feb 2005
Location: Surrey
Posts: 12,759
Thanked 689 Times in 376 Posts
Failed 61 Times in 38 Posts
Quote:
Originally Posted by Acura604
alright enough fuckin' whining here... back to thread basics.
RBC offering me:
variable 1.4%
fixed 2.4%
before negotiations - and are willing to rate match if i find better.
whats everyone getting?
You should try a monoline (private lender) which will give you much better rates. I went with a monoline lender and got 1.34% 5 years fixed and with the option of going 1.20% variable. This was with 25% down on my place. The going rate with 25% down that I see on red flag deals right now is 1.79% fixed/1.10 variable. Put at least 20% down so you can avoid the CMHC mortgage loan insurance
He claims it's none of our business why he listed and delisted (if you mention it, he'll get butthurt over it). But it seems perfectly okay for him to tell us he's tempted to call the realtor and ask him "WTF" about the listing price on that property. Realtor can list whatever the fuck they want, so what's the deal here (none of anyone business what they list for, don't like it move on)? Similar to you wanted to do whatever you want with your own property
nope. not similar situation at all. realtor playing games and tricks . probably get to sell it at just under original asking price and then boasting he got much more than asking based on the new listing. SCUM OF THE EARTH these realtors.. SCUM
You should try a monoline (private lender) which will give you much better rates. I went with a monoline lender and got 1.34% 5 years fixed and with the option of going 1.20% variable. This was with 25% down on my place. The going rate with 25% down that I see on red flag deals right now is 1.79% fixed/1.10 variable. Put at least 20% down so you can avoid the CMHC mortgage loan insurance
Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011
Location: North vancouver
Posts: 12,628
Thanked 32,346 Times in 7,533 Posts
Failed 213 Times in 161 Posts
Quote:
Originally Posted by Acura604
I masturbated last night...i think that counts.
Quote:
Originally Posted by Acura604
nope. not similar situation at all. realtor playing games and tricks . probably get to sell it at just under original asking price and then boasting he got much more than asking based on the new listing. SCUM OF THE EARTH these realtors.. SCUM
It didn’t work. Should probably head for another round and see if it helps.
__________________
98 technoviolet M3/2/5
Quote:
Originally Posted by boostfever
Westopher is correct.
Quote:
Originally Posted by fsy82
seems like you got a dick up your ass well..get that checked
Quote:
Originally Posted by punkwax
Well.. I’d hate to be the first to say it, but Westopher is correct.
I just got approved for 1.2% variable 5 year term, 30 year amortization from TD. Didn't have to do any negotiations but I did have an existing mortgage that I'm breaking and they're charging me 3 months interest as penalty (about $3k).
Thanks.
I am about to break my mortgage with TD and they offered me 1.35%.
Bastards.
__________________ Originally posted by Iceman_19 you should have tried to touch his penis. that really throws them off. Originally posted by The7even SumAznGuy > Billboa Originally posted by 1990TSI SumAznGuy> Internet > tinytrix
Quote:
Originally Posted by tofu1413
and icing on the cake, lady driving a newer chrysler 200 infront of me... jumped out of her car, dropped her pants, did an immediate squat and did probably the longest public relief ever...... steam and all.
Curious, are you buying multiple properties for speculation purposes?
None of your business.
__________________ Do Not Put Aftershave on Your Balls. -604CEFIRO Looks like I'm gonna have some hot sex again tonight...OOPS i got the 6 pack. that wont last me the night, I better go back and get the 24 pack! -Turbo E kinda off topic but obama is a dilf - miss_crayon Honest to fucking Christ the easiest way to get a married woman in the mood is clean the house and do the laundry.....I've been with the same girl almost 17 years, ask me how I know. - quasi
drama aside, I DO wish listing prices meant something... like if a list price was offered the seller has to sell or pay a penalty
this game of list/de-list is a huge waste of time and just promotes blind bidding (which should also be outlawed) contributing to a ratcheting up of average home prices over time
I think being forced to sell or pay a penalty is a bit too draconian... Something like an open-bid process would be equitable to both sellers and buyers.
I just got approved for 1.2% variable 5 year term, 30 year amortization from TD. Didn't have to do any negotiations but I did have an existing mortgage that I'm breaking and they're charging me 3 months interest as penalty (about $3k).
How long was left on your mortgage before you broke it?
I am with BMO, and they want like $18K penalty last time I checked. Never BMO again, first and last time.
2022 Tacoma TRD Sport - SOLD
2020 Tacoma TRD Sport - SOLD
2017 4Runner Limited - SOLD
2014 Tacoma V6 6spd - SOLD
2012 Honda Pilot EX-L - SOLD
2006 Lexus IS250 RWD- SOLD
2003 Accord Coupe V6 - SOLD
1992 Accord - SOLD
How long was left on your mortgage before you broke it?
I am with BMO, and they want like $18K penalty last time I checked. Never BMO again, first and last time.
I have 4.5 years on it - I'm on a variable so the penalty is peanuts. I've always gone on variables but I also knew I was likely to buy a new house during this new term so it make extra sense to get a variable.
Interesting thing - the new stress test that rolled out on June 1 definitely had a big hit with my borrowing power, knocked a good 70-80k off what I could borrow. With the rates as they are I was looking to max out and then take any capital leftover to invest but looks like I'll only just about break even with the proceeds form the sale of my old house (all of it will go into the downpayment for the new house).
No big deal but my monthlies are relatively small now - I could easily handle a lot more, even if rates tripled I'd be fine. Seems almost excessive to have the stress test be that tough but I guess they needed to find any way they could to slow the market down.
Anyone section off their garage in a townhome before? We have a tandem garage and want to use the back as my office/gaming area. Originally was ok with just putting storage shelves between the car and space but everyone I’ve mentioned it to says I can die of co2 poisoning if I’m not careful.
There’s nothing in the strata about it and only mentions the exterior and structure so was wondering if I could just put up a wall and floor nothing else really
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would be good to watch
