U.S. Mortgages & 借贷 脚注星星^*

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.

不一样。美国抵押贷款行业受到的监管比加拿大抵押贷款行业更严格。这会影响到申请抵押贷款所需的时间和所需文件的多少，并且可能意味着您要支付更多的第三方费用。 美国抵押贷款的期限通常比加拿大抵押贷款更长。对于美国抵押贷款，全部分期摊还和还款发生在贷款期限内。而在加拿大，业主必须在每个期限结束时续签或再融资。

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

例如，如果想从可调利率抵押贷款转换为固定利率抵押贷款，您需要重新申请并重新完成抵押贷款审批流程。

首付款金额可能根据您的信用记录而有所不同。 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.

为全数还清您的抵押贷款，您需要获得抵押贷款还清告知函，信函中会告诉您欠款多少，以及在哪里支付。 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.

第三方费用是外部机构评估和完成抵押贷款申请产生的费用。 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.

从申请房屋净值信用额度或房屋净值贷款开始，平均需要30-60天时间完成。 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.

房屋净值贷款是一种一次性贷款，您可以按各种不同期限还清。您的月供在贷款期间保持不变。

HELOC允许您在头10年根据需要借款达到您的信用限额，在此期间只需要支付利息。在头10年之后，HELOC转换为20年期贷款。在这期间，您按月还款，而您的利率随着市场利率的变化而波动。 Plus, you only pay interest on the amount you actually use.如果您获得$10,000的HELOC，但只需要$2,000，您只需为$2,000支付利息。

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.只要您保持最新的最低还款额，并且不超过您的限额，您的信用额度可以无限期使用。

这取决于您的需求和喜好。如果您想清楚知道您的还款金额和期限，您可以考虑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.