The article is very good, however about 利率,
首先是免除公证费,或要求报销更高的公证费用额度,目前的公证费都要1100-1400加元,如果银行只给报销一部分,剩下的就要自己掏腰包,好的银行是会给你差不多的额度的,不至於自己掏钱。
银行报销 or 免除公证费用额度,but the money is you pay youself because the rate you got by bank is highter that you'd get it.
I just bought a house and so I knew it.