利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

3 ^3 G. W& l3 ?, ]" a9 i利率新动向：

3年浮动 P+0.15%
3 g: H& I! Z& R% Q2 u: P% B
! R: |# ?* v$ E( S5年浮动P+0.30%


' s: L9 H( s$ q) W3 year  fix  3.39%

5 J/ f1 m! q  ^+ x4 year  fix  3.85%
  u0 U7 d, m7 W( k+ b
1 c4 R3 Q* B6 a, I9 Q! i) A. a7 l5 year  fix  4.09%


1 m3 A; C0 R( y3 Q: v
5 W. d6 [+ e+ R4 n/ u7 T8 A

  U3 m. \& ?6 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

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

: T$ n" h9 [* S- ]- Q. L
2 ~; ?; A& G: R& Z1 H! l/ F4 ~/ v# {% z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。
+ b% e' A1 k  Q) 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%
3 i4 g; l2 K1 j
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 L" S3 j& \+ M$ D2 Omeijuli66 发表于 2009-8-15 23:33

  d6 ?0 o" g  c# I! ~Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
% U) p3 Q& T9 y# G2 E# X
: Z' Y2 x+ K; vThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
9 }$ a  D$ [& h
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?”  
: X* ]% n) K; ?2 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).
0 ~5 H: I6 X6 D0 u0 u* l# y
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
7 W! Q/ M0 P2 J/ d
# e0 ^7 C! e* u: f/ B$ e. i Variable-rate mortgages are inching closer and closer to prime.

' z2 S0 m' s/ e/ x4 U# GThis 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

0 _, s& }8 H, d. C. f. t+ o3 i
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：

3年浮动 P+0.10%
' `+ A7 l( X0 M' Q; |7 H
3 b/ ~, y" R( b2 @: w/ i. Z$ Q1 q( f5年浮动P+0.20%


3 year  fix  3.39%
0 q" ^: \# x! [( K: o  O0 a/ \
# l' m+ `2 m/ `+ Z4 X# K# W- y* ^4 year  fix  3.85%
4 Z& E; `4 x6 p! \# \. C
5 year  fix  3.99%
) J/ f. Y3 C# ?/ j



5 Q+ {% U2 I. F& ?5 |( D" K
呵呵，需要的朋友请点击右边广告 Email 联系。