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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 D3 x# k. {, r! c' U
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利率新动向:
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5 K- \! a8 M) a- A3年浮动 P+0.15%+ b1 f( G" N3 t' E$ g" i
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5年浮动P+0.30%% L6 B/ j! m" N% {7 F  _

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3 year  fix  3.39%
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% h. F0 l# ]& D* g4 year  fix  3.85%
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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 / x9 B0 O; T$ }8 j* Y
我想知道五年浮动利率加0.3%有什么要求没有?谢谢!
6 W4 T; z; |$ I7 W7 a+ Rlunik 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。& q. a+ y: q" J0 f9 K' |

; O0 N8 e7 Y  q+ U8 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%
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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!+ ^1 [2 }! e0 a' ?0 q
meijuli66 发表于 2009-8-15 23:33
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4 ~' S: \- p5 z/ A& kVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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' F4 z9 @2 o2 R' E1 Z# }This 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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2 n/ q8 r; }8 l+ t7 R. K4 EMerix 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' w; O7 o. v; K  i  C( E2 b5 {You might ask yourself, “Why would I want a variable term under five years?”  
0 M, p& z5 x7 s% CThe 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).
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8 ?# |1 Q5 u7 ], }8 NWhat’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.- u4 O# Y4 J3 X% B) h* c2 y/ w
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...' R! l* T, ?7 B8 V- P0 E* Y3 P6 I
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:
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3年浮动 P+0.10%
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4 ~& I( x: E2 o8 w5年浮动P+0.20%
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3 year  fix  3.39%. F, F. O6 U: Z( I' p0 L8 R4 N5 \! x
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4 year  fix  3.85%  c6 v- z) H4 |" @' |' Q7 D
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5 year  fix  3.99%

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