利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
1 P- w$ R% R5 R9 b8 }! g, a
3年浮动 P+0.15%
' S  y8 ^. u. |5 N& n! T. \9 s& U
5年浮动P+0.30%

" D* b+ H1 w, }+ I- Y2 |; f
3 year  fix  3.39%

4 year  fix  3.85%
( a8 Z" `( h( X& \
5 year  fix  4.09%

# Z: ^5 E/ S0 s# G! p
: _9 q- G9 B, U- H8 e3 ^


0 `. j: G* C, H$ k! ]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！
& P: f; a. n, x$ u5 X* }" g) ylunik 发表于 2009-8-14 19:20

6 a" R9 K5 W7 u6 D, y  ?" H2 Q
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。
: v3 L5 Q4 b  W& |6 |/ J! `
2 H, z7 k8 r( ^5 p, c& N9 m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%

1 f. j$ S5 e0 E/ @) R; M: o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!
7 `; Q1 l, X% @2 v. r9 i3 cmeijuli66 发表于 2009-8-15 23:33

( n7 w7 p  p. }0 I. }$ h0 ?Variables Get More Competitive
9 v* v6 q( \  @8 G( e5 B
Variable-rate mortgages are inching closer and closer to prime.
9 L  ~% q6 y2 s7 d& g( A
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
. n1 e6 l! j0 J* P+ I, f
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.
. |2 P; L7 c0 D* GYou 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).

8 _1 R3 R( t9 K7 C% tWhat’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

; n6 A5 B# C8 t4 Z/ c% U# l- c- y Variable-rate mortgages are inching closer and closer to prime.
: H2 |  Y4 Y5 }! E
' A$ A$ T% o! I' `5 i* J$ a$ q& IThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
. K( ^, r: H  b( f3 Z. R! m) {年轻的心 发表于 2009-8-16 14:13

* _  h. c7 _1 s4 e. b
, `7 w% l% B2 z9 ^/ _: t2 a) f& _
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：
9 o7 o% b8 h  f
, |+ @: z4 p/ t0 S3年浮动 P+0.10%

5年浮动P+0.20%
* i8 A5 x& R9 G4 j' l% |
! p: Z) M2 d- m2 e& }" W
3 Q( h0 P+ e: o! }0 p5 o3 year  fix  3.39%
8 U# `! r& K/ A; @8 x
4 year  fix  3.85%

5 year  fix  3.99%


. y6 n5 Q4 o3 W' A


呵呵，需要的朋友请点击右边广告 Email 联系。