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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
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利率新动向:. {/ j0 _1 @; }! U) c8 o, L( K

  x1 ~0 c. q! [  u/ z3 O3年浮动 P+0.15%" {, d5 C# Z! D' X
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5年浮动P+0.30%
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3 year  fix  3.39%
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: y9 A9 U' o8 N! W0 j4 I3 m% ]8 O5 U4 year  fix  3.85%" E; k7 E! U9 y8 q# s
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5 year  fix  4.09%

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( a- F- q' V) }# C# d; E呵呵,需要的朋友请点击右边广告 Email 联系。
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
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我想知道五年浮动利率加0.3%有什么要求没有?谢谢!6 F; I1 F0 {4 I( P  ?& x6 I$ K
lunik 发表于 2009-8-14 19:20
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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。
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  N- h0 F8 u. {& f) E+ t2 n' s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%
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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!5 M. t- K" a, h. }4 u, o+ ]
meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.$ A$ X7 Y' \' f; T
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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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' r# q$ a# U* O: QMerix 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.; w8 {, U2 c8 P7 @/ S$ \& \( k- W
You might ask yourself, “Why would I want a variable term under five years?”  6 }$ r; N6 Q% U9 x' w' U5 E) U
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).& T5 q$ j/ i& @' J

: Y: Q0 X5 W7 a8 ]: IWhat’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!
理袁律师事务所
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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+ C( i9 e7 ?, H! k; ~1 s( p; E( wThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
* X2 _9 j, M: h/ L年轻的心 发表于 2009-8-16 14:13

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thank 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
利率新动向:1 ~9 a4 j  _" _4 a6 J, \) `
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3年浮动 P+0.10%
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5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%
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5 year  fix  3.99%

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