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：
3 o/ J3 |: J: ]3 t1 B
3年浮动 P+0.15%

5年浮动P+0.30%
& f0 Q! Y. Z% W# s
  \  b  E2 ^) n) ^/ `. y
3 year  fix  3.39%

4 year  fix  3.85%
/ F6 m4 N" l4 k8 K' ^1 s% ^7 b
5 year  fix  4.09%
+ z+ M& Y; b0 l$ }# t+ X

# J$ F$ q' o- B: O
% A% L/ B. h! j) H6 p" s
# ~8 j  V, n1 b) T9 W% P
+ Z- R8 U( T- F9 S7 g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

: q/ S- L# B1 s* t0 n

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
8 K7 |9 @" x6 Y3 Flunik 发表于 2009-8-14 19:20

; |8 b* h' l; k5 {7 I( F
7 G8 ], k; y6 f0 i, X$ g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。

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%

, p/ _7 j: F/ Z1 i9 |/ |9 i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!
, i+ T) d% m4 O/ Pmeijuli66 发表于 2009-8-15 23:33

3 N  M1 s# g+ P3 p2 Q' r( K7 C
Variables Get More Competitive

5 F9 m: b$ P% X8 S: X Variable-rate mortgages are inching closer and closer to prime.
! a% u3 T3 L! m. \' W+ |
; d* u3 v* P1 d' dThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

1 v8 Q# q. v* X4 L) q* g5 JMerix 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.
( d9 r. ?2 f5 o7 N+ ]" \4 |0 LYou 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).
/ y. J8 C1 m0 k# l7 ?/ a8 h- i0 Y
2 a8 v- t( U* _5 Q; ~' {: ]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

# ^! w3 w4 X7 b) t4 h6 C  e 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

8 \1 B. p( E" z  j% `
* `4 z  @* M9 N2 c0 ^% e) l
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：
$ u3 T% X' G- y1 _
3年浮动 P+0.10%
* c9 s9 O1 v1 A; ^0 T" y: C
5年浮动P+0.20%


3 year  fix  3.39%
$ Y; D, a# r8 V5 Y1 ~
- g1 q# R/ V( o8 C1 m2 a4 year  fix  3.85%

5 year  fix  3.99%




, s% v' A% q- J0 z- M% U
呵呵，需要的朋友请点击右边广告 Email 联系。