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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
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% T+ e+ y4 S1 d& c& R$ _; k利率新动向:1 l, E; d# E5 c: U" W5 v0 l3 X/ l
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3年浮动 P+0.15%; X' L/ d0 ]  V( T" m5 L+ j

6 r" k! |/ c' Q5 J5年浮动P+0.30%
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3 year  fix  3.39%+ Y8 W/ s6 a! s

; u, Q% }  s1 ^0 N$ S4 year  fix  3.85%
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5 year  fix  4.09%

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8 Y* k: N% a) C5 W9 T; w4 b/ V呵呵,需要的朋友请点击右边广告 Email 联系。
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 2 m9 K/ D* q) Y' b8 K
我想知道五年浮动利率加0.3%有什么要求没有?谢谢!
1 a, [0 g0 \* v% h) C+ _% ~lunik 发表于 2009-8-14 19:20

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2 ?2 W/ r( I: v1 z9 W* w2 Z5 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。
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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%* R5 h/ I$ C. V) @4 F, ~
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例如:贷款20万,每月应还$900. 你每月可以还到$1080;每年可以再最多还剩余本金 200000 x 20% - 180x12 = 37840,即多还的两项之和不超过40000.
鲜花(2) 鸡蛋(0)
发表于 2009-8-15 22:33 | 显示全部楼层
老杨团队 追求完美
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-8-16 13:13 | 显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!) K; m' A/ `2 Z2 F" ]
meijuli66 发表于 2009-8-15 23:33
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Variables Get More Competitive2 N8 Q! Z+ T1 l$ E

( {, o4 P& v% t1 X( h) y& W: Z& U' y Variable-rate mortgages are inching closer and closer to prime., C' D) L) X7 p( ?( P# H7 m
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.. N& y" }+ e, }4 d: q
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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.
& H, H& @: f, e3 I  bYou might ask yourself, “Why would I want a variable term under five years?”  3 u, V: P1 [! `9 W  v0 d
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).4 I5 M: x5 a& j* W) f- _

! Y$ T7 Z6 ]) J# t  oWhat’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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Variable-rate mortgages are inching closer and closer to prime.; i# `5 n; _  t' B4 L# C7 }# G8 t
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ..., `7 G: |( ?4 P$ g( W
年轻的心 发表于 2009-8-16 14:13
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thank 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
利率新动向:. U; q( P- p4 i9 y, D4 ~

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3年浮动 P+0.10%

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5年浮动P+0.20%5 Z! w/ U$ ]& F+ p! z$ Z
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3 year  fix  3.39%& ?9 O+ p9 H0 ~- k" V) s6 E

& B/ T, Y$ D9 @+ }! U0 h4 year  fix  3.85%
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5 year  fix  3.99%

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