利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

* ?$ `' J  |7 Z# J* t9 L5 h
利率新动向：
' g7 }! x* [" i8 v! z
3年浮动 P+0.15%

5年浮动P+0.30%
6 s8 H7 C, Q7 l8 Z$ {
6 A6 l, m' q7 d7 S$ \
3 year  fix  3.39%

0 `2 }9 B7 K7 J: t1 u" q1 F1 S4 year  fix  3.85%
- v9 K9 F% H- A8 t2 \! n
5 year  fix  4.09%
! p' k; b. p( O" J- R7 [
& m6 ]# N' G7 k' }, ?0 Y  H



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

+ r0 R2 i6 c+ b- D# i

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

' v. v% F7 z- m8 l# T/ \
$ X! H* t1 q5 i, N5 T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。
  Y. h' K- Z  R! w$ ~$ }& l
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%
7 _5 u' M9 f0 ]! \$ {
% z1 G" R0 Q, u. b! ^3 o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
: L0 a% k/ Y0 l( T9 t
Variable-rate mortgages are inching closer and closer to prime.
; J6 H! m  [8 T( ?" i: b, R
6 l; V# B; a9 q/ e& \  hThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
4 A2 Z5 t* D* z6 ~( G
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.
You 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
( m' m* f" u; y) O1 x3 ~/ e
Variable-rate mortgages are inching closer and closer to prime.
4 v& L' X6 o( ]4 k7 h9 G- s% _
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
  }2 ^9 N- S4 @# y! c/ C: x, x$ h年轻的心 发表于 2009-8-16 14:13

' e$ l* q& }2 x% \) Xthank 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：
1 T" i. r, @7 g
: [* b7 Y. P% Y$ e' A3 q3 F# s. t3年浮动 P+0.10%

- `: j) p& a& O3 x( P( ^5年浮动P+0.20%
# E) G' ~2 G+ g" U3 P: C0 m$ o

3 year  fix  3.39%
3 {  Q6 W* e5 `# o
9 H) ]  D0 j. I% s' y% r4 year  fix  3.85%

5 year  fix  3.99%
( b& q" T  c3 C) t0 a! `

4 c8 E+ _/ k0 O7 c) \4 {* p
4 d, f, O, ^2 |$ @! w' j
# t: s7 j: X' S
呵呵，需要的朋友请点击右边广告 Email 联系。