利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

8 a& C* B8 y5 [* C  o
$ b* b1 c  L% X- y' |利率新动向：
1 D+ d4 m7 x% t* s
3年浮动 P+0.15%

6 r4 g8 j/ d! f% ?3 b  r4 r3 n; M5年浮动P+0.30%
7 U+ t. r% @# O* s1 g

# s' w- r, I% m# ?3 year  fix  3.39%

4 year  fix  3.85%

3 C( F7 R( r5 d4 y5 year  fix  4.09%
$ g: G' S" D4 ?3 u

9 G9 b  i+ b5 p
( x5 d- e4 e7 O% o2 N8 g' o+ ~. e
; @# U# ^! e( ?
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

1 I! h0 w+ O0 [4 ~! [4 c5 ]8 k. J
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。
6 h2 u2 v& i; M7 _
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%
+ r; Z5 O$ V5 a6 m) W$ e. c2 G
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!
3 Q% t2 ~6 ]8 N: xmeijuli66 发表于 2009-8-15 23:33

. p8 u* x+ Q: F; D
! m. |  K2 G+ C- JVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

1 V: x& J# S# Z- SThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
( N4 }3 m" e' j+ n2 Y
1 L( H) d# P5 h6 E: b1 M/ T  b' `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.
$ g: K7 b4 C2 y# vYou 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).
! f* S1 l" G% O5 G4 y1 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).

nmz

好消息！

meijuli66

Variables Get More Competitive
# S' x" q! y+ G
Variable-rate mortgages are inching closer and closer to prime.
6 O7 W) B7 V- c# ]4 ~! P* m
3 x7 L' M+ u  W5 X& WThis 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

8 Y  P4 q0 I2 y8 ]

9 A: s6 [9 @; \8 h; {2 ]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：

- f, B9 ~/ C  J: Y# o3年浮动 P+0.10%
+ M5 v, P: K7 r7 u
5年浮动P+0.20%


  V0 Z" c0 e) M/ H3 year  fix  3.39%
( L8 C- l$ N4 T' g9 Z
* j5 _* ?; @0 I- ]4 year  fix  3.85%
  G# d; `! T' L8 c  o" c5 ]
' w& y+ Z. Q: P8 |! a5 year  fix  3.99%
0 g8 N/ d/ K1 V# V: g

0 o9 D( K: N; v

% e! ]& r- {3 T% x2 I$ e
8 O. M1 b" W0 n' }* K* d. U呵呵，需要的朋友请点击右边广告 Email 联系。