利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
. A# ], {, i; ]3 q* h
1 R, W; Y& c. G$ i3年浮动 P+0.15%
: I) S0 X7 _! r& z
5年浮动P+0.30%
' G* \. |# c+ }# g' z! ?+ a5 K

3 year  fix  3.39%
1 `; E# |# E, M, c/ j
; ]! h3 B* H7 P. q1 z& }4 year  fix  3.85%

5 year  fix  4.09%


; V; Y" N: v! Q' x4 H! U
+ c* O7 |, l6 V6 N

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

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

& u; q9 B" }; M
! V: _0 M8 {4 [  U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。

9 V! ]' B5 T8 p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%

4 Q" L( c- S4 M9 i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!
6 Z7 h1 d  G( C, u0 {meijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

* O, s/ K) x7 P2 L3 d Variable-rate mortgages are inching closer and closer to prime.
  z) ~$ R: M- }! ^2 Q2 V7 \* d# m
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
: Z5 S: Y  f5 a- t( ^
# q4 }5 ]2 O( g' X* W( \0 T; K7 D5 nMerix 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.
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).
  l- Y' G* l  _1 u" O
& c- ~! s- x) E+ n- y9 G+ m1 K9 l4 XWhat’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
2 b0 N1 y8 a# W/ y2 m- d+ m
Variable-rate mortgages are inching closer and closer to prime.
4 b2 e& D- O; y% J; B# B9 O2 L
. t- `+ m: ~$ NThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
' @$ h  H5 r, ?' c# ^& f年轻的心 发表于 2009-8-16 14:13

$ B: v% K) l+ X# H5 c
8 Y3 k0 P# L* J' w  h
; G* V6 H# F$ a6 B  d! Z7 Bthank 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：

3年浮动 P+0.10%
* i9 V* j' X: c
5年浮动P+0.20%

6 C  g9 N- J+ l8 P/ h
4 O( J# `% K5 i+ E1 X' O3 year  fix  3.39%
4 ]) }/ x9 o/ d1 ~* l) r1 d* y
3 n0 t% k! i/ E  ^4 year  fix  3.85%

0 n( v8 r6 x2 G7 \! ]! ~5 year  fix  3.99%

" c; M8 i7 `7 _' |& s( Z5 z, ~


& z* m: L9 Y9 k) W  k1 X; C- @' z
呵呵，需要的朋友请点击右边广告 Email 联系。