利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

+ K. N5 u6 a2 n  [
2 q' D# W4 X# h4 x( n8 C2 B利率新动向：
$ _  ^3 t$ {' r' g( H5 @. A
3年浮动 P+0.15%
, }* D2 A2 e8 f
* v8 S. `1 s, y* Z; t5年浮动P+0.30%


$ T3 e1 e8 T- m4 E2 ~" |; Y3 year  fix  3.39%
( {  e2 W3 r# Y, f% `
; |7 N; d! [- |& E4 year  fix  3.85%

$ Y; J7 I3 N3 d5 i' d) C2 t5 year  fix  4.09%
, N8 k2 ^6 D  H) W
# ]: w( T, r" S4 t2 X


2 e: [4 U+ W  |2 x1 t
) r  d2 ^: x; s0 ~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

/ k5 c2 R* `5 q5 k+ |( F

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
4 R# f5 S; Z5 e  ]$ Elunik 发表于 2009-8-14 19:20

0 [/ x% h# K  V# Z
$ j( N. m3 Y* j- O* c5 m! w2 f' Y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。

' s  ~7 |/ [/ n: Q, ]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%

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

Variables Get More Competitive
3 i  a( z& B2 F7 l$ x2 H3 q0 G
Variable-rate mortgages are inching closer and closer to prime.
+ Y) w: @# L' C4 Y5 ~( M" b* b1 w
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 K. [  x) I* F& i
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.
6 B: O; B3 U' U; B3 e0 J* KYou might ask yourself, “Why would I want a variable term under five years?”  
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).

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
. ?/ }0 @& Q% I2 G5 B% B
7 U' s) E; p8 j- M5 \' q# N& H Variable-rate mortgages are inching closer and closer to prime.

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

6 f$ L+ h7 A: ]+ ]
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 M# w* D" x9 {! W3年浮动 P+0.10%

  }- X: {* E7 x4 K& ?& J1 e5年浮动P+0.20%
% G/ f- b3 g. C- l6 Y' Z
, f5 s: ?6 S2 f* i0 f* e, M
- N* s$ A  R  t+ `/ g9 D9 n3 year  fix  3.39%
, E# Z3 T8 @; L1 ~, x" D* ~
4 year  fix  3.85%

5 n$ V, u; z; U' t& m3 N5 year  fix  3.99%
) z4 A  W& B$ f4 |# W2 x$ K9 {" [
1 K/ d  D1 [; O" E9 p4 ^  U



呵呵，需要的朋友请点击右边广告 Email 联系。