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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利率新动向：
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0 `* h7 N6 Y* `5 v3 K0 Q# q3年浮动 P+0.15%

5年浮动P+0.30%


) ~' `  j2 `; D% L, ^3 year  fix  3.39%

2 A3 q, d0 E' C, |4 year  fix  3.85%
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% F3 u& c$ L% ?. t' ]+ N8 ?$ }5 year  fix  4.09%

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, F3 `$ b6 e( ^% ?0 H) X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

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$ d4 `5 M% s8 ?2 Q* d/ M* |4 V7 K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%

0 [1 [% A0 Q& ?, v$ ]5 \4 j0 Y' G6 I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

3 u/ ^' i, T6 ~; n# nVariables Get More Competitive

/ z- I7 F( f2 l& t7 D  D 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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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?”  
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 S. p! x( @) \/ w& bWhat’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
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Variable-rate mortgages are inching closer and closer to prime.
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" c8 Q" H  Q) r* W( }- }8 AThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
( M: n! }0 j0 E1 B- R1 J: P6 T7 o年轻的心 发表于 2009-8-16 14:13

7 c% {" X; J) i; g% J' I5 `  p+ Bthank 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：

- O' ]: m) H+ Q8 k* [, }3年浮动 P+0.10%
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2 v1 g$ X3 F$ e5年浮动P+0.20%
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3 year  fix  3.39%
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# I. `2 |) i/ b) O5 E! N4 year  fix  3.85%

5 year  fix  3.99%
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呵呵，需要的朋友请点击右边广告 Email 联系。