satil

回復 29# 匿名

so far我個am, ok 喎. 又快又靚女.

satil

回復 30# librazhy

i am hsbc customer for 23yrs, and i have premier account since they start this service about >10yrs. all my money go through this account. it build up history, and they serve me good. they give me good rate, even currency conversion they have better rate. wire transfer, bank draft.... all most everything free. .simply a email or phone call . they done it fast.  

I am not talking about BRANCH, they all suck.

librazhy

In reality, I don't have premier account. But I can use that 2.75% line of credit interest rate as a reference. It's because I have a home mortgage loan of 2.95% interest rate with a maturity date of 2011 October. I was thinking about getting a 2.75% line of credit to fully replace the home mortgage loan...

1) I'm not sure if the banks actually allow me to do that

2) I'm not sure when it's come to real calculation, will I gain or will I lose money. I have a feeling that line of credit would contain a fee or a surcharge of something.

Anyways, thanks for all the information. I've open another thread to explore more for that

dith1019

My dad LOVEd HSBC in HK, and was a loyal customer for 30+ years.  Therefore, when we came to Canada, he went to HSBC too.  He was pissed off regarding their services.  So now all of our family member used Royal Bank instead=)

Look4chrisng

回復 33# librazhy


    Librazhy.  If you are flexible and able to gamble a bit for a lower rate.  5 yr closed variable is always cheaper than LOC.

I heard you can get 5yr closed variable for prime -.75.  (I am not telling you to do closed variable, but it's just  cheaper than LOC)

匿名

問題係﹐要計埋 amortization﹐用 LOC 同 mortgage 系兩回事黎﹐最好叫你個 banker 做個 demonstration 比你 compare。。。 因為唔同 product 系切合唔同的需要。。。看個人本身情況﹐不能單看幾多厘黎做決定。。。

匿名

講返 hsbc。。。他們的 AM 響基金方面的知識好唔掂。。。上次去見她﹐全部都比我入到位﹐若我是一個麻煩鬼婆﹐她已經被我告到要賠錢。。。不過中國人一般都比較好人﹐多一事不如少一事﹐唔會因這樣而告她﹐只會拿走D錢。。。 但她真的犯晒所有禁忌﹐犯晒規﹐好唔掂。。。 建議大家要買基金﹐唔好找 hsbc 的 AM﹐她們的培訓絕對係唔夠﹐特別係本拿比那家﹐唔信你地 walk-in 入去問野﹐你就知我的意思。。。完全只識 sales talk﹐ compliance 完全唔掂。。。真係祈禱她們唔好遇著D麻煩客﹐不然 hsbc 實被人告死。。。

Look4chrisng

HSBC doesn't even have the most basic customer services.

I booked an appointment for RRSP, but the AM was a no show.  The front desk told us we wait.  Still on one is available for another 30min.  No follow-up call from the AM to apologize.

Then we called the AM to complaint, and close the acct.  He still has the balls to charge cancellation fees.

The new management is not very good to stockholders either.

sko

回復  librazhy


    Librazhy.  If you are flexible and able to gamble a bit for a lower rate.  5 y ...
Look4chrisng 發表於 2011-7-14 13:09

I got prime -.85 for my 5-year closed variable. Would have been prime -.90 if my amortization year was longer.

Look4chrisng

sko:

When you pick 5yr closed variable, it must make sense to your situation.  Can you share your reason for choice this?