利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
$ ?2 U: N+ \% P: ?8 K# k: D2 M( k6 b
; a7 c1 @- K3 E1 a1 R& ?3年浮动 P+0.15%

5年浮动P+0.30%


+ J  V* X6 s3 U! D' k$ a3 R8 ~3 year  fix  3.39%

9 k8 Z5 O* {7 q. y/ j. z/ |4 year  fix  3.85%
+ r% l: R" E2 K0 c- G
5 year  fix  4.09%
6 ^1 ]# c' C. k; Q

$ T; G! h  Z: S, A6 H2 i
! @8 L, x6 t' s, k

" v; ]) w6 x% k; n. u; f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

+ W1 k! {2 p, S6 L, v
) ]1 b/ ~, B+ ?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。
: X, s7 n1 Z& w3 @' J
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%
% `- a( d: d0 I% q& D( b: N. }6 T2 y
$ x6 E( i; \$ f  Z# k8 E5 X5 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.

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

9 F; w- ^8 q- f0 F
Variables Get More Competitive

! i7 v& [# u4 R& o Variable-rate mortgages are inching closer and closer to prime.
9 N( T- v# d8 T( w$ d; H  I
8 q% u- |7 d7 A0 t! I& v" NThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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?”  
' x& ~; i" d6 d5 d2 b; i. ~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).
6 o3 B3 \! h& d* d
* N' L& ?8 J+ e+ y# X" [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).

nmz

好消息！

meijuli66

Variables Get More Competitive

, l+ o( V( G/ o8 X" g( Y Variable-rate mortgages are inching closer and closer to prime.
& Q; h6 i6 [" _3 ]$ l
This 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

: |' n- 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：

3年浮动 P+0.10%
$ z& _4 v7 C! a
' B$ ^8 ^! S, ^" a) m5年浮动P+0.20%
4 |. q% R  J( ?6 C0 K8 ]

3 year  fix  3.39%
- }+ Y: }; a5 I: k# _9 b6 K
4 year  fix  3.85%
9 c, w0 J2 o: e0 v5 @
5 year  fix  3.99%
! B# i& I- q4 K8 H
1 P7 I, j6 H- S  F. J
7 V7 N; ]! \; J
4 g) x3 D) b/ b

呵呵，需要的朋友请点击右边广告 Email 联系。