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：

) `1 l, Q$ E+ b# \3年浮动 P+0.15%
) n8 {# r* @' H! D
5年浮动P+0.30%


* F" j. z8 D4 `+ s3 year  fix  3.39%

7 J" b" y) K8 Q# e: M) V7 d4 year  fix  3.85%

9 L2 J8 l0 J7 x* v1 j' ~# ]5 year  fix  4.09%




3 p( A$ n* \- W  A: {
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！
! y" L  N  V* S( Q( vlunik 发表于 2009-8-14 19:20

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 h0 p* S- P4 ?3 |$ 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%
& @  U# i! U& f! A# G: l
% J' c0 J: {+ D' C8 ^7 L( Q( Y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!
7 R5 w, N5 m! n. e, n4 Z: \2 Rmeijuli66 发表于 2009-8-15 23:33

% t% J9 q, _" U3 L, HVariables Get More Competitive

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’t been this low since last fall.

- \+ E+ T5 w+ pMerix 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.
- R7 W+ I' ^% h' MYou might ask yourself, “Why would I want a variable term under five years?”  
0 D+ n, ]; b" M* ]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).
$ H6 t8 z3 I' j) v1 T# L& I* s
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

% x. Z: s& E$ Y( _: i Variable-rate mortgages are inching closer and closer to prime.
9 w4 a! V$ q- k  M, X
+ e; }& T+ s; F1 |7 P3 MThis 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

, x2 @. L) ^8 T) P! A8 Rthank 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：
8 ]/ y" `: n( A: t: J' c
8 t' Z9 v: R  P, y& K3年浮动 P+0.10%

5年浮动P+0.20%
3 G" x. L& v- i6 p, K) G
1 g4 G1 q3 f4 j5 @$ C' F% w. B
$ p; r5 p7 F; }0 T+ k& t3 year  fix  3.39%

4 year  fix  3.85%

. a  |4 z0 i. X9 X0 ~5 year  fix  3.99%
1 w! l, @: Y! Z/ D- {
3 d% l- P& L8 P% K8 J. a% S: w- S

! {; `3 S1 N4 }) b7 b; }

/ v$ O# H7 J! y3 o! Z! ^: Q呵呵，需要的朋友请点击右边广告 Email 联系。