利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

1 l1 U  l; O' ]利率新动向：
1 b- i, t, \$ g
/ T- N" ^4 `* M3年浮动 P+0.15%

5 }- |* z8 y6 w$ C! G5年浮动P+0.30%

- `. x, y( j3 b2 g, x
3 e4 q7 b: x, s; y( n, b7 P3 year  fix  3.39%

0 V: s( U! e* {' N4 year  fix  3.85%

3 U( Q8 A0 U8 a# k1 N9 N. G6 x5 year  fix  4.09%


4 G) b& m# N4 o6 h

4 {% O! p  s! }6 l) \9 t
& s9 {* H+ m7 I: ]% t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！
lunik 发表于 2009-8-14 19:20

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。

* R' _- z) Z1 K8 B1 y( h" h1 l" _$ h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%

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
7 ~! H, I2 L. h9 ^5 s
( y0 A3 u& M' ?, `5 s+ m: `$ X Variable-rate mortgages are inching closer and closer to prime.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

! C) w+ n1 n/ J7 ]) E  [2 o1 |* Y- lMerix 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).

0 t3 h0 K1 z5 Y# m& w4 G! G% J* KWhat’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.
* _. h! k8 Z3 }6 G* Q+ _
+ B# o7 `' u/ V) m# H! FThis 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

$ s$ W7 |( y8 t- u) M1 C

  ~7 x$ E) O! m# c% [* \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：

" h" Q7 j+ S, ^# q3 b; r$ D# ~3年浮动 P+0.10%
7 F$ y' ?* H, u0 w/ w1 r3 V
5年浮动P+0.20%
" D: Z& B& ]) ?

3 year  fix  3.39%

4 year  fix  3.85%

$ p: y7 N8 `& n9 F6 P3 S; \5 year  fix  3.99%


, r. A6 C5 {& K! N& i/ X9 Z
8 e2 T8 M8 Q4 B3 o; f' ^

) y8 Q/ V5 c$ k6 n' p3 o呵呵，需要的朋友请点击右边广告 Email 联系。