利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

( S: l" h  `( e' ]
$ d3 p* w' i/ \2 N& D6 A) `) O& `1 g  c% c利率新动向：

3年浮动 P+0.15%
! O2 ?+ c9 |4 M. L) d
$ I8 m% E( O  g4 O: O5年浮动P+0.30%
) G8 J* n+ }1 j$ t2 U% B

' m  Q9 a  c( U  U) R7 ~. H3 year  fix  3.39%

0 I% z# v7 q( Z  u1 L3 S4 year  fix  3.85%
4 ^3 y- i% C7 \6 K1 ?1 ]- n2 u
5 year  fix  4.09%
* D% X1 \: a- W( }8 o% o
  C, w: z9 }8 K
/ P8 ]1 h9 O" J
" w  k, W/ }  v$ ^$ _; }3 L: Y

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

5 ~! A, c0 c% V
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。

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%
: }: g# i/ U$ h- Q5 M
7 b0 z; n' F2 H3 q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!
meijuli66 发表于 2009-8-15 23:33

. j2 ?0 N3 d9 K. MVariables Get More Competitive

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.

# {+ T( T' W; a. bMerix 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.
2 ~4 h) I' @" |+ j2 C$ B: C1 GYou might ask yourself, “Why would I want a variable term under five years?”  
% l  M, c3 x3 \+ J6 D4 `* RThe 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).

' ^2 Y1 X1 D$ ?7 m! ]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).

nmz

好消息！

meijuli66

Variables Get More Competitive
" S+ A, }2 X# B; s
' z  }3 ?6 {& [& P  |& S& I1 X Variable-rate mortgages are inching closer and closer to prime.
5 D3 f& h9 {2 W. c9 H& y/ A
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

0 X7 g) x' i7 z) {# w/ Nthank 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：
8 K: @3 Z9 N5 v2 }
3年浮动 P+0.10%

5年浮动P+0.20%

9 ~8 ^- L1 d* B9 O4 g2 E
3 year  fix  3.39%

4 year  fix  3.85%
# U! i0 N4 @, m- `
" N4 M. s/ U1 U- F; A' `5 year  fix  3.99%
* d( M& k4 k5 ?: @& u* F
7 A1 e) r. b* D/ X6 b
  |5 w; O  n( |9 {' H& r
$ x! t2 O. S. |: H! k- R2 Y

3 o! X; P+ y2 z% x4 w, x! V呵呵，需要的朋友请点击右边广告 Email 联系。