利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

* n7 \* |/ T9 ?. V  E* O
利率新动向：
7 C0 }4 f% V. r. A! P
3年浮动 P+0.15%
- G; s( B. d' C
5年浮动P+0.30%
! O6 W" k% s5 H" J5 N$ W
$ {# N1 @6 [* `  E3 E% q
8 ^' R" ?# I5 u/ i9 s- g4 g# g3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  4.09%
! `% |* E" U" W, w2 P0 ?


* ~$ {8 O1 }3 D
6 J1 [% e2 l- G" U1 b. M/ y0 t
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

" [& t) X) Q6 p  `/ a! e

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
lunik 发表于 2009-8-14 19:20

( p" i" \7 ?! l" O- c% U1 U
% U( e, ^" U  S0 X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。
* Q$ B1 {. p- `' F% L
: j" @% Y6 P1 w& q: _* W! M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%
. x9 u1 |+ s# O& D1 \6 b6 S* 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.

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!
meijuli66 发表于 2009-8-15 23:33

/ ~! C9 e& V( Z; eVariables Get More Competitive
# L- `* \2 v( n# R6 j& G
Variable-rate mortgages are inching closer and closer to prime.
# [2 [$ T9 E0 [- o7 L( P
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
  P4 g0 W) A" M3 i) n2 h
5 I0 T5 Z  J4 }, d  w* OMerix 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.
/ {/ \4 _0 I# iYou might ask yourself, “Why would I want a variable term under five years?”  
/ z1 u" M2 M2 FThe 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).
6 @7 i' m* `5 A! V- E
1 i  @, I; W5 ^' t; W8 eWhat’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

Variable-rate mortgages are inching closer and closer to prime.
; o5 Y2 C% r( Y1 X( L9 g" }
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

& |) x4 z2 b: O. y" B' ~  h

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：
5 e/ R  m0 w) I; u, ?
3年浮动 P+0.10%

5年浮动P+0.20%
/ I. K. @8 r' `

$ A' E6 W' Q+ y+ l0 `$ s7 b. s3 year  fix  3.39%
: ^5 I0 m( L. B' U- g2 z) e
. u3 y/ o' o/ \: R* ]  E4 year  fix  3.85%

$ g3 f2 E; @) h2 L5 year  fix  3.99%
& T4 T% {* S5 m. E1 o2 K  ?4 a0 {

  N/ V6 o8 N4 B) k! x
8 |# Q& K3 i- |( M$ S6 r' h$ ]: o
; X+ l0 S' p8 @4 j2 Z9 C' k  M
呵呵，需要的朋友请点击右边广告 Email 联系。