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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   h! D" W( F# b% {$ P
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利率新动向:1 @, h& N( F3 Z9 w& u
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3年浮动 P+0.15%
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5年浮动P+0.30%
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3 year  fix  3.39%0 ]6 R; c' |  i1 y! H! L6 \8 p) z+ \
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4 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
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我想知道五年浮动利率加0.3%有什么要求没有?谢谢!8 |, x+ n4 j9 M( W
lunik 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。! @$ ~# Z7 O8 Z+ ?5 p
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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%
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例如:贷款20万,每月应还$900. 你每月可以还到$1080;每年可以再最多还剩余本金 200000 x 20% - 180x12 = 37840,即多还的两项之和不超过40000.
鲜花(2) 鸡蛋(0)
发表于 2009-8-15 22:33 | 显示全部楼层
老杨团队 追求完美
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-8-16 13:13 | 显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!* d  n* ?, i) N- r2 Q
meijuli66 发表于 2009-8-15 23:33
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; K, C$ R: n4 ^Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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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.
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  E* Z  p" L7 @, s$ `$ mMerix 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.% v: V0 j2 R/ z- p
You might ask yourself, “Why would I want a variable term under five years?”  
, x' D* K5 i$ UThe 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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4 H; P9 a9 X9 N+ kWhat’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!
大型搬家
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 Competitive1 d+ t4 k! K; s  w2 z
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Variable-rate mortgages are inching closer and closer to prime." e) [  ]# g! H

3 Z' M& p* _7 S! RThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
/ F+ _' R* Y" q. Y6 Y! q年轻的心 发表于 2009-8-16 14:13
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  n2 Y0 N3 Y/ E5 E+ w4 athank 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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3 year  fix  3.39%, `3 K( p. Z& l) l

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5 year  fix  3.99%

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