U.S. Mortgages & 借貸 註腳星號^*

Your BMO Private Wealth professional will introduce you to a BMO U.S. Mortgage Banker who is specially trained to help Canadians apply for mortgages in the U.S. If you go directly to a BMO U.S. branch, the branch representative won’t be able to see the relationship you have with BMO Private Wealth in Canada. You will miss out on exclusive U.S. servicing and benefits that are available to you as a BMO Private Wealth client.

No. If you require a mortgage to finance the purchase of a U.S. home or property you need a mortgage from a U.S. lender. However, if you have equity in a Canadian home or property you may be able to borrow against your Canadian property to pay for a U.S. property. Keep in mind that Canadian funds will need to be converted to U.S. funds.

No. With BMO U.S. you can apply for a U.S. mortgage using your Canadian credit history if you do not have a U.S. credit history.

否。美國的房屋貸款行業比加拿大的房屋貸款行業受到更多監管。這會影響申請貸款所需的時間、必須準備的文件數量，以及可能需要支付較多的第三方費用。 一般來說，美國的房屋貸款期限比加拿大的房屋貸款期限更長。美國房屋貸款的全額攤還和還款都同時在貸款期限內進行。在加拿大，屋主必須在每個期限結束時辦理續貸或再融資。

In the U.S., if you want to switch to a different type of mortgage you need to reapply.

舉例來說，如果您想將一筆浮動利率貸款轉換為固定利率貸款，您必須重新申請，並再次通過貸款核准流程。

首付的多少視您的信用記錄而定。 Speak to your BMO Private Wealth professional or a BMO U.S. Mortgage Banker for additional details.

The norm is for customers to attend the mortgage loan closing in person at the location of the U.S. title company. Talk to your BMO U.S. Mortgage Banker for details.

No. With BMO U.S. there are no penalties for making additional mortgage payments or paying off your mortgage in full before the end of the mortgage term.

To make an additional payment against your mortgage you can: mail a cheque written on a U.S. bank account to your BMO U.S. branch, make an online transfer from a BMO personal chequing account or phone BMO Telephone Banking.

If you have a mortgage, refinancing with BMO U.S. may allow you to lower your interest rate and monthly mortgage payment.

要全額一次付清貸款，您必須取得一封貸款付清函，信中會告訴您還有多少欠款，以及款項應寄往何處。 You can obtain the payoff letter either by requesting it from your BMO Private Wealth professional or visiting a BMO U.S. branch who will request the mortgage payoff letter on your behalf.

第三方費用是外部各方為評估和完成貸款申請而一定會產生的費用。 Some examples of third-party fees are appraisals, survey fees, title search and attorney closing fees.

If you pay taxes in the U.S. and you meet the qualifications for being able to deduct mortgage interest, this may be possible. You should speak with a U.S. tax professional to discuss your situation.

This will depend on your personal financial situation and how you feel about where the value of the Canadian dollar is relative to where the U.S. dollar is headed.

完成房屋淨值信用透支額度或房屋淨值貸款的申請，平均需要30至60天的時間。 If you apply for a mortgage with BMO U.S. and a home equity loan or line of credit at the same time, you only have to go through the approval process once.

The HELOC will be set up as an account and you can withdraw funds as needed. You can write cheques, or transfer funds to your BMO U.S. personal chequing account with BMO Digital Banking (U.S.) or at a BMO U.S. branch.

房屋淨值貸款是您可以分期償還的一筆貸款。您的每月還款額在整個貸款期間維持不變。

HELOC則允許您在有需要時才借款，最高不超過您的信用限額，在借貸期限的前10年只需要償還利息。前10年過後，HELOC會轉為一筆20年期的貸款。在這段期間，您繳付每月還款額，而且利率會隨市場利率浮動調整。 Plus, you only pay interest on the amount you actually use. 如果您申請到$10,000的HELOC，但是只需要$2,000，那麼您只需要繳付$2,000這部分的利息。

No. With a U.S. HELOC you have only 10 years to use funds up to your credit limit, after that it converts to a loan with a payback period of 20 years and a variable interest rate. With a Canadian HELOC you can continue to withdraw and pay back funds as you need. 只要您一直繳付應償還的最低金額，而且用掉的金額不超過上限，就可以無限期使用您的信用透支額度。

這要根據您的需求和喜好來決定。如果您想要預先確定將繳付多少、繳付多久，您可以考慮申請HELOAN。 If you don't know precisely how much you will need and don't want to borrow more than you need, a HELOC may be a better choice for you.