利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

: I! r" z& j# k! M
5 K% ?. }! r4 F利率新动向：

3年浮动 P+0.15%
  t1 F! z; l* M( i  |
5年浮动P+0.30%
3 l& ^3 q8 t' v/ L

3 year  fix  3.39%
8 x$ \3 Y9 G2 z
4 year  fix  3.85%

2 b, d- U1 K; r3 t6 s$ l7 e# r4 T5 year  fix  4.09%
& ?9 Y1 t8 q9 H+ i% c
+ n( u2 K7 [1 S) o

6 F  @  N, \5 u" `
9 U* E6 X5 t8 [( p7 x
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

. g7 r; C- O; Q: Y0 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。

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%

6 S6 v7 Q: F2 N3 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

Variables Get More Competitive
# ~" J4 a9 q( w$ Z3 \* f& h
Variable-rate mortgages are inching closer and closer to prime.

' R# @/ n6 i* [4 p" PThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
) ~- e0 X* h' ]
# y8 L/ E" p9 [, u( VMerix 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.
( O4 C# N0 F1 e4 C8 TYou might ask yourself, “Why would I want a variable term under five years?”  
! E8 `9 `0 t7 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).

0 I8 ]2 y, ?& 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
  h) q; t. ]: t. O
" O, w+ ?' G+ b& `/ p# e 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’ ...
, l5 f3 z; n( u: a) f0 `年轻的心 发表于 2009-8-16 14:13

$ h: {* {2 E( Y- u2 c
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：

- n- R! i$ u' o5 S) `! i3年浮动 P+0.10%
  o" Y  f; P8 b  Y1 e+ f
5年浮动P+0.20%
+ z  Y% m& c5 L1 U$ O& ]! \
6 n0 h; i$ r5 B8 E8 A
; c* q9 N& W' Z3 D) x$ R2 {3 year  fix  3.39%

4 year  fix  3.85%
3 i% o* W) r  a
5 year  fix  3.99%
; M. x, P& g4 A! h% h


' `) o5 {8 T5 z* n. l% [# j
" X, l8 H4 E, Z) M+ g, F
呵呵，需要的朋友请点击右边广告 Email 联系。