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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
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利率新动向:9 x. i! [/ m2 `* x, f

# s1 o5 `3 h1 L, b! E3年浮动 P+0.15%
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0 S+ a6 I1 E& Y) g; B/ U5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%
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  g" {$ K/ p5 {( V% }/ C5 y
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 _/ H0 w! U; Llunik 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。
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6 u* k; c) n( g. s/ [; }4 @; n% y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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- A" u4 j6 [6 ]: E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!5 k4 c% ]5 C9 Z  W& b7 `/ e: B
meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive8 D8 m* j4 n8 ?  f

1 e4 b) ?. _3 K% \2 Y. l& I Variable-rate mortgages are inching closer and closer to prime.
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6 `; \; R( s. o3 q) lThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.4 L4 }1 F; `3 R) E
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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.8 |2 Y7 X" ^4 Z4 X2 J. s7 f5 t
You might ask yourself, “Why would I want a variable term under five years?”  $ |4 M7 G* F  |  I! ]3 q4 R
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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6 F$ E* }7 m8 L- Q- }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).
鲜花(1022) 鸡蛋(4)
发表于 2009-8-17 12:00 | 显示全部楼层
好消息!
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 Competitive2 r; V, M; b" B! Q: w3 A

4 M7 G. }- c' Q& C' C Variable-rate mortgages are inching closer and closer to prime." P5 U; V( [7 O1 J, ?8 H, v( C$ y

$ \6 K) J' {8 e" ~& @  S- X  MThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...0 q& U2 W" N) O0 w) h( r' F" t8 l
年轻的心 发表于 2009-8-16 14:13

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thank 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:" F. I0 A7 d* I, V, x% O

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3年浮动 P+0.10%

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4 k. e8 p* T" a4 K& o) [  a/ L5年浮动P+0.20%0 @2 e1 B% V( o/ l. r% R2 C, l

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3 year  fix  3.39%
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/ a% N& h1 ?& P  w2 S! c4 year  fix  3.85%
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5 year  fix  3.99%
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! a' ?/ S3 W# B4 G呵呵,需要的朋友请点击右边广告 Email 联系。
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