Monday 5 March 2012

考虑提早还清房贷? 新规则3月5日实施,银行将清楚告知罚款数量计算法


加拿大政府3月5日新规:各银行贷款机构将陆续公开罚款数量计算法

CBA Welcomes New Rules for Mortgage Prepayments
www.marketwatch.com/st...2012-03-04

Improved Penalty Disclosures On The Way
www.canadianmortgagetr...-soon.html

The government has just announced a brand new mortgage “code” that requires federal financial institutions:

“…provide more information on how prepayment charges are calculated.”

“…explain the differences between mortgage products, including ways to pay off a mortgage faster without incurring penalties.”

These improved disclosures have been eagerly anticipated by consumer groups。

Indeed, the Financial Consumer Agency of Canada (FCAC) says it “has observed a significant increase in the number of complaints it has received related to mortgage prepayment penalties,” especially interest rate differential (IRD) charges.

官方原文:
CG-8 MORTGAGE PREPAYMENT PENALTY DISCLOSURE
www.fcac-acfc.gc.ca/en...ex-eng.asp

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