埃德蒙顿华人社区-Edmonton China

 找回密码
 注册
查看: 1686|回复: 8

利率新动向:3年浮动 P+0.15%;5年浮动P+0.30%

[复制链接]
鲜花(115) 鸡蛋(0)
发表于 2009-8-14 14:11 | 显示全部楼层 |阅读模式
老杨团队,追求完美;客户至上,服务到位!
本帖最后由 年轻的心 于 2009-8-14 15:14 编辑 $ L( Q( s. B( T" C% R

) [0 _5 S: [# ^, J3 o2 a' t. Q利率新动向:8 ~. _" k8 v. Q7 e! U

1 d; F; H+ Q* I2 Q8 n$ v3年浮动 P+0.15%
( H2 M: u  }2 c2 [: l5 `
' {1 n; _1 i4 G* H$ o: g5年浮动P+0.30%
( T( S9 W8 F9 v0 s& o
4 n$ [8 L/ h( {" R3 P- ~8 y& _/ o
4 L! F; s6 x' W1 I
3 year  fix  3.39%
# I4 J2 z7 m+ r1 ?" V2 ^. r8 N1 _2 F
! _0 R9 {4 {$ m3 R4 year  fix  3.85%* I6 ^. u; ^+ o7 u5 o: n+ ], E( A
& l' `) `8 Q2 c- m# N% j5 n
5 year  fix  4.09%
( ]4 b4 n+ _2 p- p3 Q  N
/ k! r4 P* q; z1 o

2 Z! m; {0 Z2 Z# C! o
  L0 m/ G1 H! v5 e' [" h$ ?
& s' a3 |% T* M- u # j4 \4 b! V; B6 J
呵呵,需要的朋友请点击右边广告 Email 联系。
鲜花(25) 鸡蛋(0)
发表于 2009-8-14 18:20 | 显示全部楼层
我想知道五年浮动利率加0.3%有什么要求没有?谢谢!
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-8-14 21:19 | 显示全部楼层
本帖最后由 年轻的心 于 2009-8-14 22:22 编辑
; ~9 w/ Z1 J$ H5 K: b
我想知道五年浮动利率加0.3%有什么要求没有?谢谢!. f+ V7 u; H% s; W) Q
lunik 发表于 2009-8-14 19:20

1 P: X5 u1 a" U$ \7 T$ |! O: K
  a7 m( Z2 k, U; R6 }' l信用分数在620分以上,稳定工作2年以上。别的要求跟大多数银行差不多,也没有特别限制。1 ~1 R8 w! b4 b, s" Z

! x( d' s4 @: a/ E% C提前还款为20/20, 即每月可以多付每月基本还款的20%, 每年可以多还剩余本金up to 20%,两项之和不超过20%, B  w- }+ d: B( T3 x4 h% s

6 r5 Q1 E% e- Q5 r1 f! H2 K例如:贷款20万,每月应还$900. 你每月可以还到$1080;每年可以再最多还剩余本金 200000 x 20% - 180x12 = 37840,即多还的两项之和不超过40000.
大型搬家
鲜花(2) 鸡蛋(0)
发表于 2009-8-15 22:33 | 显示全部楼层
老杨团队 追求完美
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-8-16 13:13 | 显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!- t: Y; W+ j4 l
meijuli66 发表于 2009-8-15 23:33

; y% P$ b. N) \/ I
. l( Z) r. E# `; p5 Q( H9 v* q8 T5 \5 TVariables Get More Competitive
# B5 J7 d( G. ?7 B
  f; [8 ~7 j' ^2 p7 f4 q Variable-rate mortgages are inching closer and closer to prime.0 {1 l5 S% n5 K: F# S' p1 {- _' R

- @. R4 ~: m5 j) X& ZThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
7 O8 ]5 U; u9 f4 a4 x  u ' d& D0 H( J1 I/ J
Merix and MCAP were among the lenders cutting rates this week.  Each is now offering prime + 0.15%, on 3-year and 32-month terms respectively.
2 P; Q' d' ]) N/ R5 r8 ?* k+ kYou might ask yourself, “Why would I want a variable term under five years?”  4 Q1 r# T. o8 g4 A
The answer is based on the belief that variable-rate mortgages will once again be offered at discounts to prime.  If that occurs in the next 3 years, then a 36-month term lets you reduce your rate quicker than if you were locked into a 5-year term (unless you broke early and paid the penalty, of course).
- G9 \4 p5 ?3 w$ K/ ~% M2 i. Z0 f4 t+ p
What’s more, these shorter-term variables are priced a little better than 5-year variables (2.40% for a 3-year versus 2.45% to 2.65% for a 5-year).
鲜花(1022) 鸡蛋(4)
发表于 2009-8-17 12:00 | 显示全部楼层
好消息!
鲜花(2) 鸡蛋(0)
发表于 2009-8-17 15:18 | 显示全部楼层
老杨团队,追求完美;客户至上,服务到位!
Variables Get More Competitive3 E9 J$ n) c4 K' \$ l

0 n' A4 m  p/ X5 Q) E  I2 r; V0 s Variable-rate mortgages are inching closer and closer to prime.
+ t; `5 o7 l: Y3 |, \ 1 p; h5 r8 j4 d+ w6 [) V) c
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
9 ^, r- ]; ]3 K' f( {年轻的心 发表于 2009-8-16 14:13

+ s3 I; E$ j: s( O2 Q5 Z8 X; T8 E. O6 ]
( e; v1 U0 v9 u
' r2 u$ \( ^% H: s$ E: X+ w( lthank you very much!
鲜花(2) 鸡蛋(0)
发表于 2009-8-27 14:21 | 显示全部楼层
非常感谢,确实是好消息,希望其他贷款机构也都降利率!
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-9-3 07:15 | 显示全部楼层
利率新动向:
; m# T6 c; m7 B2 F+ ~
. _$ H7 I! j5 w; d+ [% s" g' J# j
3年浮动 P+0.10%

* N5 h% {4 S2 B9 z$ i
. M) f2 c: f; n& j5年浮动P+0.20%6 c3 J9 c$ T" ]! e

% k0 _6 G4 ^$ }' C/ N( _9 }6 l, m
3 year  fix  3.39%
4 l  ?& ?* `) Z$ {2 r : [* K- Y+ D9 c# b
4 year  fix  3.85%
/ x0 I- s6 D' J: s( N/ Z* D2 d
; j' K6 Y" {, Y8 U; @
5 year  fix  3.99%

8 H# ?8 P! R$ Z: J# w, p
/ i' ?& y( G6 W5 L( `% i& ~2 n; {  c8 g/ @# a

( f6 y/ `! x: h+ h6 k! I0 [
, P' D% H) s" @4 w* x
3 h  M% o* m2 U; o呵呵,需要的朋友请点击右边广告 Email 联系。
您需要登录后才可以回帖 登录 | 注册

本版积分规则

联系我们|小黑屋|手机版|Archiver|埃德蒙顿中文网

GMT-7, 2025-12-10 20:16 , Processed in 0.205038 second(s), 16 queries , Gzip On, APC On.

Powered by Discuz! X3.4

Copyright © 2001-2021, Tencent Cloud.

快速回复 返回顶部 返回列表