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Applying for a mortgage is an important milestone in your life-and that's why we're ready to help guide you along the way. 了解房屋贷款利率和APR可能有助于长期储蓄。 When shopping for a mortgage you should consider several factors that depend on your financial goals and needs. One of the decisions you'll have to consider is what type of mortgage works best for you, based on your financial circumstances.
- With a fixed rate mortgage, the interest rate and the regular payments you make will stay constant for the term of your mortgage, offering stability.
- With a variable rate mortgage, the interest rate will change when the TD Mortgage Prime Rate changes. This means that the portion of your payment that goes toward the principal may increase or decrease over the term of your mortgage.8
什么是APR？APR是一个年度比率，反映了利息以及房屋贷款的部分或全部费用。请参阅下文，了解我们如何计算APR。
TD特惠房屋贷款利率
年度百分比利率 (APR) 基于$300,000房屋贷款、25年摊还期以及$300房屋估价费，假定适用期限内每月还款。如果无费用，则年度百分比利率与利率相同。年度百分比利率四舍五入到小数点后三位。
获得预先批准或申请房屋贷款
Get an immediate response to your pre-approval application or submit a mortgage application online.
The Toronto housing market: Things to know
Toronto’s housing market is currently the second highest in Canada. Here’s what you should know.10
- The average home in Toronto typically costs above $800, 000 which is higher than the national average.11
- The Toronto housing market continues to be a seller’s market due to limited supply and rising prices.12
- The federal government has taken steps to make homeownership more affordable for certain first-time buyers whether in Toronto or by introducing the First-Time Home Buyer Incentive.13
- Before you start searching for your home, it’s important to consider how much debt you can take on. Enter your details to find out how much you might be able to borrow.
Mortgage rules
All mortgage borrowers are subject to qualifying criteria (aka stress test) that would determine whether they would be able to afford their principal and interest payments should interest rates increase. 请咨询TD移动房贷专员，了解资质规定对您的房屋贷款有何影响。
房屋贷款基本知识
Whether you live in Toronto or another province, let's help you understand the language so you’re able to make the right decisions.
- 首付款
A down payment is the amount of money you put towards the price of a home at the time of purchase. - 摊还期与房屋贷款期限
The amortization period and a mortgage term have different meanings.
The amortization period is the total number of years it takes to pay off your mortgage assuming the interest rate and payment amount remains the same. If your down payment is less than 20%, your maximum allowable amortization period is 25 years. 如果您的首付比例高于20%，则摊还期最长可达30年。
A mortgage term is the length of time you’re committed to a mortgage rate, lender, and associated conditions. TD has mortgage terms ranging from 6 months to 10 years, with 5 years being the most common option. - 还款频次
灵活选择还款频次。 You can determine your payment schedule, such as Weekly, Bi-Weekly, Monthly or several other options.
Did you know? Paying every other week might seem the same as paying twice a month but it's not. You'll be making two extra principal and interest payments a year potentially saving thousands of dollars in interest over the term.
What is the cost to buy a home? In Toronto (or in Canada)
Some homes are listed for a few hundred thousand dollars while others go for millions.
Some costs to consider include the down payment, mortgage payments, appraisal fee, renovations, home inspection, legal fees and title insurance.
There are also additional governmental costs that vary by province, such as land transfer tax, mortgage registration fee and possibly even a municipal land transfer tax. Plus, don't forget the moving costs!
How can I get a mortgage in Toronto (or in Canada)?
- You could start by filling out a mortgage pre-approval to find out how much you may be able to borrow.
- Getting a mortgage pre-approval is a great way to find out how much you may be able to borrow. It’s a tool that can help guide you.
- Once you find the house you would like to purchase, you would apply for the mortgage.
- You may need to pass a stress test. Learn about mortgage rules in Canada.
- Once a lender approves the loan, you’ll review the terms and conditions of your mortgage.