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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:
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$ I9 J! v2 i' ?% T6 c% \8 ^( p3年浮动 P+0.15%# ?! B; ~- P2 c/ b: p1 l2 w

0 J3 ]" k  y. K( m) [1 J/ I$ O4 x5年浮动P+0.30%
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3 year  fix  3.39%5 l+ e! w3 U! u3 s" V

+ {2 W( g- R  n% h1 @  o8 [4 year  fix  3.85%, K+ `2 c3 A9 ~  T3 W9 B

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5 year  fix  4.09%

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" b4 K" E8 @& ~5 t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
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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!
+ N0 `/ M6 Q) o6 }lunik 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。$ g  J+ i+ G+ m' L' N+ S7 R9 e

2 _# G& Z1 V: S1 g# S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%, ]) G3 M4 `7 f+ d! x* X+ y
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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!
; k7 {! Z# r  jmeijuli66 发表于 2009-8-15 23:33

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6 p* e, z! E" ]( j- f+ w" d& A; |Variables Get More Competitive: O, @; H% v7 ^# V, R5 A
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Variable-rate mortgages are inching closer and closer to prime., Z, \- t- U: e& M  ?( [, a  o" U
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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.4 N$ i' e! J- j1 @: D
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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 ~3 }3 i+ I5 J% S5 q6 f
You might ask yourself, “Why would I want a variable term under five years?”  
$ d6 n& p! @& _+ dThe 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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0 `; F6 P5 ~" R2 U7 M* Y' ]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! G8 K$ Q5 M& @  E- a% }; Q5 _8 a
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Variable-rate mortgages are inching closer and closer to prime.
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. Y% [0 Z* v9 N' kThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
3 [0 j% m3 v2 ~0 Y5 w! S, ~/ S年轻的心 发表于 2009-8-16 14:13
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* a2 Q: _" s9 S9 N7 }# Pthank 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:
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3年浮动 P+0.10%
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2 }. R( c" H5 j5年浮动P+0.20%
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3 year  fix  3.39%
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4 N) ^$ A" E4 m6 t1 k& d4 year  fix  3.85%
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5 year  fix  3.99%
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