利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

, u7 h1 d- X3 m8 r$ r4 t利率新动向：
! b3 Z/ R, q+ f2 Z
3年浮动 P+0.15%

5年浮动P+0.30%
6 l* ~1 @% y: G+ y5 Q
; l& W3 R2 L" ?# L, U
3 year  fix  3.39%
3 N% D5 F; w! p3 K9 g
9 w* ^8 {( ^8 H7 l1 J7 G4 year  fix  3.85%

5 year  fix  4.09%

4 l& R8 n! P6 L0 j" k

7 F6 a$ j& ~) e4 a; [
" F4 g- z* }/ s8 k6 f+ }1 b
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

7 J' n. M& R7 ~6 G; h

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
8 n: q4 N5 [5 k( Flunik 发表于 2009-8-14 19:20

- ^( o+ q" J9 o0 o  h* t; C$ O
% k: K& z9 }4 d) d0 G" V# C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。
: L0 T5 C. b  x  H
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%
- y3 G1 q$ o8 a& u0 j8 `1 w% u$ y' M
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

Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
. T0 ~. L& G9 A& ^' p  t8 Z
. Q4 V: d7 c% vThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
- f- r. h  o5 F. P3 s
/ v6 D' d& Z5 F/ Z- C0 W: @9 o6 LMerix 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.
. p& g4 i) |% J5 oYou 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).
, k! k  T+ ]5 [2 S9 Y- ?5 C& s
! ~" i' c1 @! r5 l) VWhat’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
1 l9 @- `. v3 e  g
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’ ...
% J. c+ t) i; U4 y8 ?年轻的心 发表于 2009-8-16 14:13

# p, d% ]# o% ?5 d/ Uthank 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：
: c9 e% B. Y3 j, z7 h2 W' p
$ j+ G" {) i6 L; t+ T3年浮动 P+0.10%

5 x! y3 q& \3 g7 H$ r+ R5年浮动P+0.20%
$ {0 _0 [# i0 m  K: t7 ?, `

- w8 W! O. g1 R$ }: ~3 year  fix  3.39%

4 year  fix  3.85%
5 h1 y6 Q0 |$ x
5 year  fix  3.99%
& c! ~3 P( R' r

9 o8 ?' H, |& h3 R/ p, W
2 y/ D$ D; e0 v4 r
; x7 y3 P3 U/ @$ u( q+ Z; X
呵呵，需要的朋友请点击右边广告 Email 联系。