利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

% R2 _, V0 X8 ^, y! ^
/ @$ \. L3 m. l- `' s  Z! z" X利率新动向：

3年浮动 P+0.15%
/ W* r+ ]5 }. X/ A; P' Q& `
5年浮动P+0.30%

- v$ [8 Z+ z& \0 A
7 X6 K; U( \" @& L- l3 `8 s: a3 year  fix  3.39%
% Z' b5 e1 I" C2 ]- o: ?
8 l. M: f* v# }7 J- {) D$ H* S. w4 year  fix  3.85%
$ l; n/ }/ l  u4 B6 r2 A# _3 B& t) D
5 year  fix  4.09%
& ~: {6 T+ [+ ]9 M0 x: b# C* ^
3 @1 \, X: V( s$ q: D7 v) m


. @% D. n& I$ ~' q# P6 K! j
3 B) {3 [6 d3 P& a. J7 q- i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

2 W) |5 }# _2 r4 s( P* J- J
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。
' z& U% m+ P9 G3 k8 i, ~- d
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%
! d6 z3 w! A% [5 n" ?/ 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 P9 J; s- q$ i0 g6 \$ m! P: Emeijuli66 发表于 2009-8-15 23:33

/ T; ?/ x" s& Y4 e6 Z/ IVariables Get More Competitive
  ?+ K: j% p7 L
9 |7 |* J# }/ q( H# }6 v4 D 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’t been this low since last fall.

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.
! y$ r1 ^6 U0 x5 N( {& f6 ?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).
+ }& O  o4 _" _6 I& Y: A  M
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).

nmz

好消息！

meijuli66

Variables Get More Competitive

# i& |( G4 ]. ~- T; V& D Variable-rate mortgages are inching closer and closer to prime.
' U( ]  U! P0 }2 m. C+ S
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
, E5 T0 P# J6 k: _1 V年轻的心 发表于 2009-8-16 14:13

8 k0 s" s( f8 N! k
9 U7 w" W6 r$ }* [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：

/ g- @9 {: n9 B) H; ^, f7 y7 K5 v3年浮动 P+0.10%
! M' A0 Y% e+ q1 a' v9 E+ Q
5年浮动P+0.20%
* i0 U$ O0 W0 @3 r( Q7 j+ X/ n6 K" I

! v  j5 p4 x* w3 year  fix  3.39%
) v, [  Y: \& |" B
4 year  fix  3.85%
& o* E+ e9 O) e: T. t; x7 K
5 year  fix  3.99%
0 b1 c2 s; V8 Y
& _+ k8 x5 x( t4 s5 w! u/ J2 s



3 v3 T9 I4 K2 H呵呵，需要的朋友请点击右边广告 Email 联系。