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发表于 2016-1-29 15:17
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醉酒当歌 发表于 2016-1-29 09:589 H1 l$ C* n8 K- b: D
破产了没钱了接收有啥用？破产时优先偿还大债主，首付就没了。
6 q9 |3 @$ Y4 n. V$ G2 @Many second- and third-tier lenders get their funding from large financial institutions and that funding is fairly stable, Mr. Bozic says. V: a; c- l% M, g
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“Even if a company were to run into financial difficulties, the vast majority of the time there are backup servicers in place.” This sort of contingency planning is almost always required by the parties funding a lender’s mortgages./ S8 [: I. ^( c; _( g% ` X/ R
7 ~ S) B" m" S+ v7 M5 M7 bIf a lender were to close, Mr. Bozic says another financial institution would simply take over the mortgage.
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) p0 X5 g7 H0 j7 ]When a lender sells your mortgage to another party, you just keep making the same payments like nothing happened – albeit to a different company, in some cases. The new lender is generally required to honour the terms of your old mortgage contract, Mr. Bozic says.
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The one thing that will change is the renewal offer you receive at maturity. Generally, the new owner of your mortgage will be the one making your renewal offer. That could be good or bad depending on how competitive the new lender is. But smart consumers always shop their lender’s renewal offer anyway, so this isn’t a major issue.
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& V8 S; C$ i* M" a' {$ L$ cOverall, the probability of a lender disappearing is low. On its own, it’s not enough reason to avoid a less prominent company.3 k9 v( _, f9 S8 C
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That’s especially true when the lender has the best deal in the market – which is the case with many smaller lenders today. If you can find a 0.10 percentage point lower rate, you’ll save roughly $1,200 over 60 months on a standard $250,000 mortgage.' [+ W# x, W( \. z7 A
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If you’re interested in getting the best rate possible, you need to be open to saving money with a smaller mortgage company. Just be sure to get independent advice so you can sidestep the ones with onerous contract restrictions. Examples of those include fully closed terms, costly penalty calculations, porting restrictions, refinance limitations, and so on. Some lenders have rather unpleasant fine print, but that’s true for micro and mega lenders alike.
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