Closing Docs
成交文件

贷款批好， 需要您签署以下几份文件授权银行将正式的贷款文件送到律师楼。   这些文件现在都可以 E SIGN,   https://www.onespan.com/        每个客户要提供一个邮件， 收到邮件链接打开以后 输入密码， 每个签字的地方 您在手机屏幕上按一下就代表签字了。 非常方便。 不需要打印任何文件。 这里有些电子签字的教程， https://youtu.be/kv6xfKKvuz4   收到电子签文件， 请您尽快（电子）签好以上的文件。因为这些文件2天内会过期。 

1）CLIENT AGREEMENT (Form524)  说明您授权我们在贷款申请的时候调查您的信用记录，

2)  HOME PROTECTOR APPLICATIONF (FormHP)  房屋贷款的人寿/伤残/重大疾病保险， 不论您是接受或拒绝，您都需要签名，明确表态。 我会和您讨论具体情况。 您可以看看网页： http://www.rbcroyalbank.com/products/mortgages/home_protector_insurance.html

3) HOW RBC WILL COMMUNICATE WITH YOU (Form4221)   皇家银行如何将贷款文件寄给您（们）选项 Joint 寄到同一个地址； （如果是一家人那就是选择JOINT ） 

4）请您提供您律师或公证人的联络资料:  名字、电话，EMAIL,  

5) 需要您在RBC 有一个账户,  我会提供账户号码： 例如分行号码 00320 ， 账户号码 123456，  客户号码是 4519 01 XXXXXXX  

其他注意事项， 

如何设定皇家银行网上银行，

E TRANSFER EMAIL 转账

johndoe+rbc@gmail.com 

johndoe+bmo@gmail.com  

johndoe+TDSavings@gmail.com  

johndoe+TDChecking@gmail.com     etc etc.... 


There are six different payment frequency options: 【六种不同的还款频率】

Monthly

Monthly payments are the easiest to comprehend. As the name implies, you’ll have just a single mortgage payment, which will fall on the same date each month. (If your payment happens to be on the 31st, then it will fall on the last day of each month with less than 31 days).

Semi-monthly

With semi-monthly payments, you’ll be making two mortgage payments per month for a total of 24 payments per year. The payment amount is roughly your monthly payment divided in half, and then made twice per month. Semi-monthly can sometimes be confused with biweekly, however there is a big difference, as I’ll explain.

Biweekly

Biweekly payments are made every two weeks, which can sound like another way of saying twice per month, however there is an important difference. Semi-monthly payments will occur 15 days apart. Biweekly payments will be made 14 days apart. While this doesn’t sound like a big difference, semi–monthly payments will have a total of 24 payments each year, while biweekly will have 26. That’s two additional mortgage payments per year. This doesn’t mean that you’ll be paying more, as the amount of each biweekly payment will be lower than the semi-monthly option. Biweekly payments are calculated by multiplying your monthly payment by 12 and then dividing it by 26. In other words, if your monthly payment is $1,000, then your biweekly payment will be $461.54 ($1,000 x 12 / 26).

Weekly

While biweekly payments are made every two weeks, weekly payments are made once per week. The calculation is similar to biweekly, except instead of dividing the annual total monthly payments by 26, you’ll divide them by 52. This results in exactly half the biweekly payment, which you’ll then make on the same day each week.

Accelerated biweekly

Accelerated biweekly payments are calculated simply by dividing your monthly payment in half, which is then paid every two weeks. Both biweekly options have a total of 26 payments each year, however the accelerated payment will be a little higher.

Accelerated weekly

Instead of dividing your monthly payment in half as you would with accelerated biweekly payments, the accelerated weekly payment is your monthly payment divided by four, which is then made every week. Again, the accelerated payment will be a little higher than the non-accelerated version. Both weekly and accelerated weekly payments will have a total of 52 payments per year.

EXAMPLE,  FREQUENCY // MONTHLY PAYMENT // # OF PAYMENTS

Monthly                        $2,019.65  12

Semi-Monthly                $1,009.49 24

Biweekly                       $931.82 26

Accelerated Biweekly     $1,009.83  26

Weekly                         $465.84  52

Accelerated Weekly       $504.81  52

 =======================================================================

Rbc 贷款加速还款 ( 本金 ) :    


1/ （大钱） 一年一次 可以还款 原贷款额的 10% , 例如，贷款一百万 ，每年( 从贷款日开始计算，每365 天,  不是从1 月 1 开始算 ) 可以最多还款 十万 本金 (Max) / 365天， 


2/ ( 小钱 ) 每个月 可以 double up ， 例如 ， 每个月还款 2000 = 1000 本金 ➕ 1000 利息 ， 如果您愿意多还款 ，您可以自动要求增加月供Min 最少100 ，Max 最多2000 (全部是本金 )  也就是说 ，您可以主動要求月供调整到 2100 - 4000 max.   

       From：  月供2100 = (1000 本金 ➕ 1000 利息 ) + 额外 100 本金 MIN 。。。。。

           To:     月供4000 =  (1000 本金 ➕ 1000 利息 ) + 额外 2000 本金 MAX


注意1： 额外本金的还款会马上减短分摊期而没有降低月供，如果您要求降低月供那么分摊期就不会缩短， 不可能缩短分摊期同时也降低月供， 


注意2： 贷款合约到期，续约的时候可以安排无限额度还款，请联系客户， 


如果需要安排以上讨论的额外还款 ， 请先将还款资金存款到 您rbc银行账户,  再联系分行 经理 

或者 致電☎️中文热线 1-888-769-2598 和客服讨论  

或者， 通过网上银行 点击贷款那个链接 进行调整     ONLINE BANKING (how to) 

https://www.rbcroyalbank.com/onlinebanking/bankingusertips/loansandmortgages/ 

How do I: 

 =======================================================================

Wire Payment Instruction    客户汇款信息 

https://www.rbcroyalbank.com/banking-services/wire-transfer.html 

http://www.rbcroyalbank.com/commercial/cashmanagement/_assets-custom/pdf/WP-FS-EN.pdf 

How do I receive a wire transfer?

Instructions for Receiving Wire Transfers To insure a smooth and efficient process, there are a few things you need to know before initiating a wire. Sending a wire to your RBC Bank account involves two steps. 

Step 1) The wire must first be sent through a Receiving/Intermediary Bank. This bank accepts the wire on RBC Bank’s behalf. 

Step 2) The Receiving/Intermediary Bank then sends the wire to RBC Bank which is identified as the Beneficiary Bank. There are two types of wire transfers which are determined by the currency being sent. 

To select your wire transfer type, click on the link below for the type of currency being sent. Include your information, then print the completed form and provide it to the person originating the wire：  

1） 汇款（来自）美国境内: 
https://www.rbcbank.com/assets/Uploads/pdfs/US-Funds-Wire.pdf 

1) RECEIVING/ INTERMEDIARY BANK INFORMATION

Bank Name JP Morgan Chase

Bank Address 4 New York Plaza New York NY 10004

Fedwire ABA Routing Number 021000021

Swift Code / IBAN Code CHASUS33

2) BENEFICIARY BANK INFORMATION

Bank Name RBC Bank

Bank Address 8081 Arco Corporate Drive Raleigh NC 27617

Fedwire ABA Routing Number 063216608

Swift Code / IBAN Code RBCBUS33

3) YOUR INFORMATION

Name on the Account

Your Permanent Address STREET ADDRESS

CITY STATE/PROVINCE ZIP CODE COUNTRY

Receiving Account Number

2）汇款（来自）美国以外的地区: 
https://www.rbcbank.com/assets/Uploads/pdfs/Non-US-Funds-Wire.pdf 

Wire Instructions |  Non-U.S. Funds wires

Please provide the company sending the wire the following information:

1) YOUR INFORMATION

Name on the Account

Your Permanent Address STREET ADDRESS

CITY STATE/PROVINCE ZIP CODE COUNTRY

Receiving Account Number

2) RECEIVING/ INTERMEDIARY BANK INFORMATION

Bank Name Royal Bank of Canada

Bank Address 180 Wellington Street West Toronto ON, Canada M5J 1J1

NOTE: Do not use Bay Street address.

Swift Code / IBAN Code ROYCCAT2

IMPORTANT!

When selecting the Receiving Bank, please make sure the Wellington St. address is selected,

otherwise delays in processing the wire will occur.

3) BENEFICIARY BANK INFORMATION

Bank Name RBC Bank

Bank Address 8081 Arco Corporate Drive Raleigh NC 27617

Fedwire ABA Routing Number 063216608

Swift Code / IBAN Code RBCBUS33


中文电话理财 1-888-769-2598 
按1普通话  按2粵語
如果您不在北美，可以在加拿大白天办公时间,
拨打长途 1-905-273-8888

<English>
Tel Banking: 1-800-769-2511 Or 506-864-2275
Credit Card: 1-800-769-2512 Or 416-974-7780
Online Banking Tech: 1-800-769-2555 Or 506-864-1555

<RBC USA>
1-800-769-2553 
https://www.rbcbank.com/index.html
皇家银行美国账户， 不是皇家银行加拿大的美金账户，
1/ Unlimited & Instant Transfers Between the U.S. and Canada
2/ Move money cross border - 24/7
3/ Pay U.S. Bills + Send and Receive Money in the U.S.
4/ Pay bills, transfer and receive money with your U.s. bank account and routing number through Online Banking. If you have a U.S. cell number, you can use 3rd party apps to send and receive money from friends, family or businesses.
5/ Access to 50,000+ No-fee ATMs2 in all 50 states Plus cash back at large retailers like Target, Costco, CVS and Walgreens

1-800-387-2828（普通話、粵語）

TD VISA 信用卡服务：

1-877-233-5844 （普通話、粵語）

1-800-830-8080（國語）

1-800-830-8800（粵語）

1-888-828-7288 （國語）

1-888-883-1828 （粵語）

1-888-298-8822（國語）

1-888-898-2828（粵語）