利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

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- r' U8 ^1 G8 ?$ C利率新动向：

3年浮动 P+0.15%

' f) X% k9 ?5 t, s  c5年浮动P+0.30%
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0 j+ c) }% J; z+ v3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  4.09%
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' L6 y7 [1 X; O, a; ?$ S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

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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！
lunik 发表于 2009-8-14 19:20

( _8 a/ M1 N. R5 s, M# I8 ]% C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。

- i7 x2 [1 h6 D) \0 N; l3 d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%

8 i( D* W4 E: p* b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

! U" c% b1 p$ i+ h5 Q2 [  q! SVariables Get More Competitive
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  w5 r. h$ s+ H, V+ q 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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- i. a. \4 o% T" Y0 U* V( 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.
5 a4 n# n) K& mYou might ask yourself, “Why would I want a variable term under five years?”  
The 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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; ?0 M: m1 K" aWhat’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

Variable-rate mortgages are inching closer and closer to prime.

. i! E; `6 n( M+ G. }4 ~1 ?5 |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

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, u' `6 l2 ~+ a9 s+ z$ u4 tthank 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：
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( M( O1 B# M7 O- _3年浮动 P+0.10%

5年浮动P+0.20%


) C1 y: f3 ]  N. z' D* j4 C* j3 year  fix  3.39%

& k/ o- @, \3 t4 year  fix  3.85%
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5 year  fix  3.99%



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% P) t& t# K! L7 e$ x" J呵呵，需要的朋友请点击右边广告 Email 联系。