ความคิดเห็นที่ 2
 
Good morning. May I help you?
I would like to apply for a home loan. Could you give me an overview of the types of mortgage interests your bank offers?
We carry mortgage with both adjustable and fixed interest rates
What are the differences between the two?
Adjustable interest rate can fluctuate throughout the life of a loan. The bank reserves the right to adjust the rate up or down as it sees fit depending on the liquidity of the money market or according to the cost of fund our bank paid. In some years, the interest rate can be adjusted 4 5 times. In some years, the rate may remain unchanged.
Fixed interest rates that are currently offered to consumers can be classified into 3 categories. The bank will fix the interest rate for the first 1 to 5 years of the loan. After that, the interest rate will float up, down or remain unchanged in accordance with the money market and cost of fund of our bank during that period.
I am interested to apply for a fixed interest-rate loan for the amount of $1,000,000. How long will it take me to pay back if I elect to make monthly payments?
It will take 7 years or 84 months if you pay every month but you will need to have a cosigner for the loan.
I have a friend who maintains good credit record. His name is Tisco and he is a very good-looking guy. He purchased everything in cash. Can I use my friend as a cosigner?
Certainly, I see no problem with that. I have to agree with you, he is quite a hunk, isn't he? But first thing first, please kindly fill out the loan application.
Ill be glad to.
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จากคุณ :
Tisco fan 
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