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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 3 M7 Q' C9 h" P- m" h% l
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利率新动向:
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( I4 H' N; ~9 t; E/ T3 n. D% Z3年浮动 P+0.15%
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3 E: w" k' Q1 B0 ^% O! u7 i5年浮动P+0.30%
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3 year  fix  3.39%
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. A/ b" j! x1 m  v! s# v6 C9 a4 year  fix  3.85%; V' T2 a7 w! a4 _  N9 p! N7 r# _

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5 year  fix  4.09%
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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!2 S% ~# e5 A! i1 j( @
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。4 P3 p2 o  Z9 Z- \

, x# i1 w# @3 A  ^  C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%6 N# _9 ^$ v6 _, N9 D# y+ ]& d4 V
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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!
. |7 I  O' |4 _. V) j5 u& |  {meijuli66 发表于 2009-8-15 23:33

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, H5 E! D0 Y" \" Y" g9 UVariables Get More Competitive3 I- k% G5 a, x8 P: n9 Z6 _/ r5 s2 c

3 U, Q, a% y3 o$ O Variable-rate mortgages are inching closer and closer to prime.5 c- B$ B; ^/ h( K! l

- f, E$ }8 \( H; g3 BThis 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.
  y$ J3 g3 ]5 q# O* IYou might ask yourself, “Why would I want a variable term under five years?”  
  S; D9 N0 h5 y( B3 ]6 P/ bThe 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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: o9 D$ S) C* HWhat’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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4 ~& o  v$ P0 a$ v8 f" R Variable-rate mortgages are inching closer and closer to prime., k) k  C  C3 D7 o" @; k

; j+ i$ [5 q4 C; H; y6 I6 MThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
# M% K6 u1 F, J8 ]& g* R- ?# [5 c5 P' {年轻的心 发表于 2009-8-16 14:13
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+ A! G/ ^* x0 O% d" Y1 S  uthank 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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- A/ I% F4 x9 ?5年浮动P+0.20%" B: M! Q1 q' c2 G
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3 year  fix  3.39%
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  |+ a& c' v+ f$ H4 year  fix  3.85%
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5 year  fix  3.99%
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