利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

: ?, [3 O; @6 M% G& ^0 V5 N利率新动向：

3年浮动 P+0.15%
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* ?4 ^$ C. G: e, o' y/ K8 |. e5年浮动P+0.30%
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' [/ l2 V7 w" d3 year  fix  3.39%

; F, z& }. ]: C- \. S( k) k4 year  fix  3.85%
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5 year  fix  4.09%


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呵呵，需要的朋友请点击右边广告 Email 联系。

lunik

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！

年轻的心

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
  W( t  {- J1 l( ^' [0 |0 xlunik 发表于 2009-8-14 19:20

6 w3 l! @, i. r: W( z8 A$ r3 [0 b! w1 |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。

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%
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1 y' c3 U: N$ [/ g0 h7 ^" v8 H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.

meijuli66

请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!

年轻的心

请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
7 a* `, v$ N, l9 I+ q- l* V- Zmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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9 s2 E& j5 t. {+ {) VThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
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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.
" l0 y: o1 ?/ M" Q( g: {9 t: ^8 [You might ask yourself, “Why would I want a variable term under five years?”  
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).

# N4 K: D" P0 C- q& n) ?- `% sWhat’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).

nmz

好消息！

meijuli66

Variables Get More Competitive

% x: j5 A1 m! J Variable-rate mortgages are inching closer and closer to prime.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
年轻的心 发表于 2009-8-16 14:13

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thank you very much!

meijuli66

非常感谢，确实是好消息，希望其他贷款机构也都降利率！

年轻的心

利率新动向：
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$ p" ~, q* h9 R* Y) J/ j/ r3年浮动 P+0.10%

5年浮动P+0.20%


2 G6 X: J5 l$ w+ q% m1 u( D; Q3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%

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. M" Z" b/ M' L2 x1 \9 I  }$ ?呵呵，需要的朋友请点击右边广告 Email 联系。