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別墅

積分: 941


1#
發表於 04-8-16 22:31 |只看該作者

做樓按,若利率及優惠相若,大銀行定小銀行好?

你地會點樣選擇?
大銀行係咪好多費用都比小銀行貴? ?-(


男爵府

積分: 5086


2#
發表於 04-8-17 23:44 |只看該作者

Re: 做樓按,若利率及優惠相若,大銀行定小銀行好?

我覺得若有得選,當然大銀行好d,至少方便些分行多些,至於費用方面是公開的,可以於上按前問清楚先 !
http://hk.myblog.yahoo.com/kakawong97
得閒黎睇下我的bldg啦!


大宅

積分: 3704


3#
發表於 04-8-18 11:02 |只看該作者

Re: 做樓按,若利率及優惠相若,大銀行定小銀行好?

ask them one by one.......
different bank may offer different rate....


you are the customer........ :wink:
8899


大宅

積分: 1639


4#
發表於 04-8-18 15:14 |只看該作者

Re: 做樓按,若利率及優惠相若,大銀行定小銀行好?

Other than pricing (i.e., the interest rate they charge you), there would be no difference under normal circumstance.

Although Larger Bank have more extensive coverage in branch networks and provide more service, but this is nothing to deal with your mortgage as people usually repay by autopay.

The only relevance is (not every people's concern) Large bank have a higher credit rating (ie., chance of insolvency is low). This will affect your asset when the bank become insolvent as you pledge it to bank.


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