在房屋抵押贷款中，我们通常知道这两种：固定抵押贷款和可变抵押贷款。然后，我们比较利率并在这两种类型之间进行选择。然而，我们很多人都不知道，有第三种选择使用信用额度来支付抵押贷款。
请见下图：
在这个例子中可以看到，储蓄不仅在货币期限内，而且还明显缩短了支付期限。
请注意，在LOC类型的抵押贷款中，利息可能更高，因此我们很多人甚至不会考虑进一步比较。花几分钟时间查看这些视频，传单和信息。
请点开网址可看到视频 https://youtu.be/NCINz9hZWL0
请注意，并非所有银行都提供此类抵押贷款。
很少有像宏利银行和BMO这样的银行使用LOC提供此类抵押贷款，并且当我们将这些抵押贷款存入这样的“一个”帐户时，灵活性不会锁定我们的其他存款和储蓄。必须仔细规划以确保LOC类型的抵押贷款以这种方式构建。
这些可以用于租赁物业，如果您正在寻找购买物业，您可以获得“预先批准”的抵押贷款。
即使您的抵押贷款期限不能续订，您也可以进行比较并做出明智的选择。
如果需要了解更多细节，欢迎致电或发短信给我：780 429 8888.
我将为您联系Manulife One或BMO银行，以确保您有资格获得此类贷款。
陈兆良
BSc, MBA,
CLU, CH.F.C.
英文资料：
In mortgages, we normally know these 2 general types of Fixed and Variable Mortgages. We then compare the interest rate and choose between these 2 types.
However not known to many of us, there is a 3rd option using Line of Credit to pay for mortgages.
In this self-explanatory example, the saving is not only in MONETARY term but also shorten the DURATION of payment significantly.
Note that in LOC type of mortgage the interest can be higher so many of us would not even consider looking into any further comparison. Take a few minutes to review these video and the flyer and the information.
CLICK here to open the Video https://youtu.be/NCINz9hZWL0
Not all financial instructions offer such mortgages.
There are few banks like Manulife Bank and BMO that offer such mortgages using LOC and with the FLEXIBILITY of not locking into our other deposits and savings when we put them in such “one” account. Careful planning must be done to ensure the LOC type of mortgage is structured in such a way.
These can be used for RENTAL properties and you can get a “pre-approved” mortgage if you are looking into buying properties.
Even if your mortgage term is not up for renewal, it is good for you to make a comparison and make an informed choice.
When you call or text me 780 429 8888,
I will need to refer you to the socialists in Manulife One or BMO to ensure that you qualify for such LOC mortgage loans and such arrangement is the best fit for you.
Bernard CHAN
BSc, MBA,
CLU, CH.F.C.
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