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)

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.

Look4chrisng

sko:

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

Look4chrisng

wow, so you can always locked into fixed rate anytime.  It is pretty good.