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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 ) \2 s: a; [( Q7 L% ^, Q6 p
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利率新动向:
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3年浮动 P+0.15%3 Q, D7 y+ A* N2 @, m& F2 s; A

+ L& M" Y( w. F& C5年浮动P+0.30%
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3 year  fix  3.39%6 e# A5 s7 q/ E
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4 year  fix  3.85%6 ?5 `$ n, I4 X

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5 year  fix  4.09%
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# `4 q" V( m7 m/ a0 }/ O" C. P呵呵,需要的朋友请点击右边广告 Email 联系。
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 ; Y5 I5 I8 N+ M7 F1 ]9 Y8 q
我想知道五年浮动利率加0.3%有什么要求没有?谢谢!
) B+ v1 t' r: q0 [lunik 发表于 2009-8-14 19:20

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+ W2 I' w  X1 S/ ?% s) g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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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%. w  t9 [! \  q4 A! ?2 q

5 w5 n, ~& n% _$ d/ p6 x3 Q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!: ~6 }# G+ v3 W% l
meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive$ y' i* R1 b3 j1 c8 @" \4 \" S
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Variable-rate mortgages are inching closer and closer to prime./ R, Y* ?/ z- l  K- J6 d1 X0 e0 [. r

; l+ t( f. @$ e9 C/ ]& Y- WThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall., K2 k; t* U0 t! t) O( A- ]; ?

4 w! U! E0 T# @. _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.
9 ~) m0 |: d& xYou might ask yourself, “Why would I want a variable term under five years?”  ) V) f/ R! b) T* D' k2 O  l
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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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 Competitive
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Variable-rate mortgages are inching closer and closer to prime.- p3 U. h# v4 H  ?1 u  r& U% @
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
; e0 E/ z  P0 H! t+ A, q; r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
老杨团队,追求完美;客户至上,服务到位!
利率新动向:0 Z8 z! m- q# {" z+ e! X7 Q, a
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3年浮动 P+0.10%

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3 year  fix  3.39%( A5 j" V! b: j" \
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4 year  fix  3.85%
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5 year  fix  3.99%

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