利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

4 M5 Q, R0 n( f+ `  a利率新动向：

7 H8 c6 J  Z6 U3年浮动 P+0.15%

8 \+ k# v: m5 e' I6 b( }* F& R; l5年浮动P+0.30%

# E& b1 S1 a8 T! ^, a' q
+ r+ h# r4 q+ H9 w( t6 q- A, |3 year  fix  3.39%
' b. ^+ k6 [( e
4 year  fix  3.85%
2 {" H: n2 Y# p0 q% z6 ?
( M" B0 r9 B5 m6 u" c" U- `1 V5 year  fix  4.09%



$ l8 f; {# H% W0 }
( D! V0 B( q5 J5 ?( }' f0 O2 i$ @
( }* J- x6 h; y# O2 z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

% H/ \7 t: f6 y1 X

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

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。
' O) P3 p% }2 r% d) h
4 s5 x$ a4 W# l, 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%

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!
  e. q( y' y9 X% w8 H  Umeijuli66 发表于 2009-8-15 23:33

) f# K. [2 B% Q" I. \Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
) X  y) z  E0 u* o2 z$ L
$ X! a8 R. X2 T: [1 H  u! o1 MThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

1 E! g! c9 v# p: `7 Z, I7 fMerix 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.
% r4 `: W( e$ P: N) z# MYou 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).
/ G5 `& \+ |( Y
1 k  x$ e1 u! t' m: AWhat’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
6 i% y2 u' p: G; E
% C& H/ M2 e; Z% m4 X# T- s2 H: N" X 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’ ...
年轻的心 发表于 2009-8-16 14:13

( l6 B" m/ X  Z2 l
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：
/ T8 c( D; g. L' d+ B3 |3 P
3年浮动 P+0.10%
/ E) F& h. |( b+ {5 ^  s; ~/ g9 @% p( P0 l
5年浮动P+0.20%
5 E5 g: @$ t: F3 d+ l

- z5 G% D0 R. Q' q% v3 year  fix  3.39%

0 Y7 _, ?6 k; C4 year  fix  3.85%

5 {8 G" R: U, E! Z2 j* |' h# Y5 year  fix  3.99%

# s6 `- e' k$ j

. q8 N% \, m$ |, U0 u6 b& x9 Z

呵呵，需要的朋友请点击右边广告 Email 联系。