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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 * R0 g" K' H; r$ d7 I5 ]
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利率新动向:
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1 R, W; Y& c. G$ i3年浮动 P+0.15%
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5年浮动P+0.30%
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3 year  fix  3.39%
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; ]! h3 B* H7 P. q1 z& }4 year  fix  3.85%7 s: c' ~0 o7 Z2 u
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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 7 r/ w" j9 s9 B) G
我想知道五年浮动利率加0.3%有什么要求没有?谢谢!  c& M; D1 ]5 D: ?! K
lunik 发表于 2009-8-14 19:20

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! V: _0 M8 {4 [  U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。7 p# P5 ]$ b# n! [% j* K

9 V! ]' B5 T8 p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%# k! d+ ~+ s) ?7 X, ^

4 Q" L( c- S4 M9 i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 Z7 h1 d  G( C, u0 {meijuli66 发表于 2009-8-15 23:33
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Variables Get More Competitive/ p0 V6 v0 t' j2 ]% l" W

* O, s/ K) x7 P2 L3 d Variable-rate mortgages are inching closer and closer to prime.
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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.
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# q4 }5 ]2 O( g' X* W( \0 T; K7 D5 nMerix 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.( p+ p. K* L2 H2 q2 X& k
You might ask yourself, “Why would I want a variable term under five years?”  , X) `* L. p6 C; o+ A0 @4 `
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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& c- ~! s- x) E+ n- y9 G+ m1 K9 l4 XWhat’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.
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. t- `+ m: ~$ NThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
' @$ h  H5 r, ?' c# ^& f年轻的心 发表于 2009-8-16 14:13

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; G* V6 H# F$ a6 B  d! Z7 Bthank 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:- x* u5 m1 J" e0 P6 l
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3年浮动 P+0.10%

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5年浮动P+0.20%- k* a$ u$ d' v( `9 ^) c4 T$ i3 }  |

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3 year  fix  3.39%
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3 n0 t% k! i/ E  ^4 year  fix  3.85%- v3 B+ N3 c' Z) ]7 s5 b" \

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5 year  fix  3.99%
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