利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

5 n4 t# A7 M) @6 S& W& U
利率新动向：
( q9 P+ @7 l8 e
3年浮动 P+0.15%
' ?1 G; \3 a9 L3 n4 m8 o- C$ R
5年浮动P+0.30%


3 year  fix  3.39%
7 r+ q4 E- n3 l; u. p
* L: o5 \& J+ d; g4 year  fix  3.85%
: T4 f  U% t! s4 O$ E" `
: d  N  L& \" g# M4 }% n5 year  fix  4.09%
" z( ~4 @" L9 T, t$ f
( D: ^5 j- N" H  S. o3 w- ]: j
+ k$ H# p' f8 |; n$ U


' f! q' J. o9 u  @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

, M6 P5 m7 q4 ^. G6 r8 F
. E  y$ g/ t4 J& ?6 o: \' i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。

# C+ J1 Y# |4 j; F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!
5 O( L3 q# s8 q) x' _0 t7 }meijuli66 发表于 2009-8-15 23:33

5 i, s, g) w0 Q' Z( B- oVariables Get More Competitive
6 X# h& \+ M! X( J
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.

0 t0 h8 d, _8 x2 j/ A( }. dMerix 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.
; \  ~. W, j6 \) u& {You might ask yourself, “Why would I want a variable term under five years?”  
  J8 b* |& N. w7 e  Y! w8 qThe 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).

0 g) ]% B% j# Q% g5 QWhat’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

Variable-rate mortgages are inching closer and closer to prime.
2 Q  W: \0 f0 D$ Y1 x: J
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
- m5 j% C* L7 [+ c4 _( h# M年轻的心 发表于 2009-8-16 14:13

) r: @3 Z& W* N* Zthank 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：

4 r4 U- S$ Y/ a4 X3年浮动 P+0.10%

5年浮动P+0.20%


% m. w. ?  ?0 w1 N# I4 D3 year  fix  3.39%
$ d% L( j4 ?; c) y+ q
( k2 h. a* P# |* i4 year  fix  3.85%

5 year  fix  3.99%


) o5 e6 i5 y$ ]" Z) ]

$ {$ W* H8 e, N7 m
呵呵，需要的朋友请点击右边广告 Email 联系。