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利率新动向:3年浮动 P+0.15%;5年浮动P+0.30%

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鲜花(115) 鸡蛋(0)
发表于 2009-8-14 14:11 | 显示全部楼层 |阅读模式
老杨团队,追求完美;客户至上,服务到位!
本帖最后由 年轻的心 于 2009-8-14 15:14 编辑 1 I& U2 r! ]+ i& L
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利率新动向:7 d& G, L+ C2 u6 J8 N
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3年浮动 P+0.15%
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6 |6 F, m) `/ U; c1 ^# D. z/ y5年浮动P+0.30%
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3 year  fix  3.39%% {; C* X5 _2 }+ q) b

! P$ [: g6 f* `7 m# q4 year  fix  3.85%& X( v. G: ?# A+ B4 q5 V# ~

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5 year  fix  4.09%

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鲜花(25) 鸡蛋(0)
发表于 2009-8-14 18:20 | 显示全部楼层
我想知道五年浮动利率加0.3%有什么要求没有?谢谢!
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-8-14 21:19 | 显示全部楼层
本帖最后由 年轻的心 于 2009-8-14 22:22 编辑
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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!
0 [& L, C. X; Tlunik 发表于 2009-8-14 19:20

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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。
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* Q0 e0 O, v! e' J6 ^1 J6 Y! T7 a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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# j& P2 A6 @4 P* ^' E& m9 g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.
鲜花(2) 鸡蛋(0)
发表于 2009-8-15 22:33 | 显示全部楼层
老杨团队 追求完美
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-8-16 13:13 | 显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
( i: S* ~" ^3 Imeijuli66 发表于 2009-8-15 23:33
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) X4 u: s( H; U% kVariables Get More Competitive. q* C4 m1 t* c

5 B: |1 Z7 l0 E/ {4 t/ q Variable-rate mortgages are inching closer and closer to prime.
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3 R3 E5 L( \" p5 j2 ^4 C3 s6 FThis 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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3 k- ]5 j# ~8 h$ H# ]% D% d) 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.
: ^, O+ B% ^" l# }7 G4 KYou might ask yourself, “Why would I want a variable term under five years?”  
  |6 i& O( ^: ~0 jThe 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).8 S9 |9 M9 l1 J7 K. o! d
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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).
鲜花(1022) 鸡蛋(4)
发表于 2009-8-17 12:00 | 显示全部楼层
好消息!
鲜花(2) 鸡蛋(0)
发表于 2009-8-17 15:18 | 显示全部楼层
老杨团队,追求完美;客户至上,服务到位!
Variables Get More Competitive
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( V. b8 i5 l8 l7 p Variable-rate mortgages are inching closer and closer to prime.% r+ {# f5 ?" m! X- d8 u; X1 m* X

  n7 f" c9 F0 G! S5 J/ ?& |& ]% t7 rThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...! U3 L5 m+ E3 C/ g. Y; G9 h* T
年轻的心 发表于 2009-8-16 14:13
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% @9 z6 E, I/ @. v: ethank you very much!
鲜花(2) 鸡蛋(0)
发表于 2009-8-27 14:21 | 显示全部楼层
非常感谢,确实是好消息,希望其他贷款机构也都降利率!
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-9-3 07:15 | 显示全部楼层
老杨团队,追求完美;客户至上,服务到位!
利率新动向:. ]7 r4 H1 a+ E, m% q: e2 @
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3年浮动 P+0.10%
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' B/ M8 {* r& x5 a: j- x5 A% D5年浮动P+0.20%. M  a  ^& }( g

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3 year  fix  3.39%1 \# l" i/ s* C% @
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4 year  fix  3.85%0 r- V' y9 {. J8 {# h0 d
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5 year  fix  3.99%

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