利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

( \0 m  q" W; t6 W& e
, v/ r2 _7 u8 k  z利率新动向：
! u/ M7 r* B% z8 _3 v5 A6 Y
' M& ]. v) ~9 O* Y3年浮动 P+0.15%
& z8 F9 [6 h' |2 j" h) H
5年浮动P+0.30%
8 b0 i: M3 o. O. v. }, i" `
, X5 P. y3 O: f+ v7 x' K4 w
3 year  fix  3.39%
+ ~/ x8 O9 B1 v0 m( ^' l7 _
1 u* v4 S' M  d0 u2 Z" |4 year  fix  3.85%

! z. R) ?/ d& _6 E. F3 R! T6 V5 year  fix  4.09%
# f" A# ]  K* N" }0 h" Q, x7 c$ Y+ r
3 S# J. o9 m6 H/ x
9 v% J$ v) Q; i9 @$ Q7 H

8 R6 Y* s; S/ d6 e. M' @* {
: U6 R& N* ~" a, ]0 N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！
, q  M& W- y, M3 |. U1 Ilunik 发表于 2009-8-14 19:20

2 q$ U# |" m, k( y# H
& F# w( `  G: |$ D, c! U# P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%

- Z' h% |, p( p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

) W) j- h% W$ k9 @: ~/ Y Variable-rate mortgages are inching closer and closer to prime.
; ?4 i/ p$ ?1 f1 H; [/ c8 x
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
1 Y! B4 u7 x; u! N* G+ Y
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.
You might ask yourself, “Why would I want a variable term under five years?”  
) v3 Q( u6 s( C$ C$ e1 x/ jThe 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).
. T$ s3 B) J- N6 ^
% r, h2 j' a  p0 y( ZWhat’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

& {7 E5 D: l6 m, x& q3 Z5 X Variable-rate mortgages are inching closer and closer to prime.

& b/ S- n9 |% G2 o4 dThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
5 y) |. a( _9 `8 B; m- r年轻的心 发表于 2009-8-16 14:13

9 _  H2 x% b5 \3 Xthank 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：
- B# L2 B, U, I! s
- t1 T) Z# @4 T. r  a( p3年浮动 P+0.10%
$ n8 q' B# I' B; ]
5年浮动P+0.20%


# N, K* ]% u# g4 w3 [9 r3 year  fix  3.39%

4 year  fix  3.85%
  u2 u: S: ]: U
5 year  fix  3.99%
+ Y, i9 L# Q6 i& [
: q" K- B! d5 L- b; `


& V8 Q# P5 w: q8 ?! P
- T; l* A. a, w  @. g) a呵呵，需要的朋友请点击右边广告 Email 联系。