利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

* f3 V" z! x& l3 K5 l- _
利率新动向：

. }+ L" m, y# p2 p$ }3年浮动 P+0.15%

- s0 A; O! f- x) F5年浮动P+0.30%


3 year  fix  3.39%
" e. Y, M; y& @4 [( v
/ @( ^- f  z/ i- s* k0 _/ r/ w" V4 year  fix  3.85%
) q, y6 d0 Z' a8 A3 `* {
5 year  fix  4.09%



& W$ `! B. v* F: A7 b+ {
# H# ?3 R) k, _9 N7 s
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

7 W0 A2 v$ V4 G9 `

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
% O) I* n8 Y8 x6 \: n: }lunik 发表于 2009-8-14 19:20

" i' @( r2 I+ l4 ~
# U' \% L5 L% u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。
1 }( V4 y' s+ N
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%
% O, W. @& p" n. n  ^9 F" \  S
* _5 ]* Y( p5 m0 z$ ^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!
1 o: v+ A' D" g& Wmeijuli66 发表于 2009-8-15 23:33

; ?: z5 `" S8 ^2 R5 L  z5 n- E
Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
8 u5 b( ]9 ~( Z+ H  M
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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?”  
; U6 D! W: ~: GThe 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).
; o2 s" e- O% s1 d$ ]. l: m
$ y2 u) X% y( e) J3 }7 MWhat’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

4 j5 e$ x! g! f: M+ v 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’ ...
; z3 p# a' a% X) l年轻的心 发表于 2009-8-16 14:13

) m2 n3 K# q) l4 E# ]# w
' ?$ ^! Y& |, g1 n% k5 C
" d8 V! o' [, f" C+ n& y5 vthank 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：
5 q( _; ]+ @+ L9 J: W
3年浮动 P+0.10%

0 \: [% v8 D7 E* Z7 k/ u5年浮动P+0.20%

* V/ P1 G: y/ s
  X7 J3 o/ P. |6 \) l3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%

, i( f3 B" P. j9 ?
, |4 U' `9 v6 T1 N


# E6 X) I8 R& W呵呵，需要的朋友请点击右边广告 Email 联系。