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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 2 {7 Q2 }$ i/ L* H/ `* W8 U" S7 }
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利率新动向:5 B- l- I* M: O3 Y$ k9 |
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3年浮动 P+0.15%
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9 F3 Y1 w, q3 [  r  x5年浮动P+0.30%
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3 year  fix  3.39%
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, I( E- j9 f5 S" X+ z1 `: a4 year  fix  3.85%& N; T* H- e# e8 V) p+ F, M1 T7 p

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5 year  fix  4.09%
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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!
5 M* l7 }: @5 [+ Plunik 发表于 2009-8-14 19:20

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2 u2 Q8 [0 ^& c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。: K7 q/ y7 w! H2 K8 s, A

) ?! ?7 a) b' A9 J% g7 K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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' i$ j6 k) s$ x例如:贷款20万,每月应还$900. 你每月可以还到$1080;每年可以再最多还剩余本金 200000 x 20% - 180x12 = 37840,即多还的两项之和不超过40000.
鲜花(2) 鸡蛋(0)
发表于 2009-8-15 22:33 | 显示全部楼层
老杨团队 追求完美
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-8-16 13:13 | 显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!. J1 p6 M7 {# f% x$ v# m1 Z' |
meijuli66 发表于 2009-8-15 23:33
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* m0 d6 G. N- e' v* s! g: g( tVariables Get More Competitive
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- ~( f; {2 Q4 m: s% w0 N  P. ~4 { Variable-rate mortgages are inching closer and closer to prime.$ u) t% g8 h) Y% }3 d0 ^

+ f; c% u8 d( U# [. aThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.0 Z: `: ~% M+ ~& r# L% a% Q/ Q
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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.
3 z& m. Z# ?) A. [: u1 WYou might ask yourself, “Why would I want a variable term under five years?”  
$ N, E( T& z9 rThe 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).+ `; n# Y0 J9 E5 Y! g, u' W+ v0 f& ~
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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).
理袁律师事务所
鲜花(1022) 鸡蛋(4)
发表于 2009-8-17 12:00 | 显示全部楼层
好消息!
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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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...3 R- S; T4 Y$ O+ y. q! U' k
年轻的心 发表于 2009-8-16 14:13
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2 C1 m8 ?4 Z) s" H% W& X' j/ S0 |8 Ithank 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:3 \4 @. k* m' b6 _" E& Z& x

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3年浮动 P+0.10%

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3 year  fix  3.39%/ q4 K' ^/ G5 Z  o1 q
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4 year  fix  3.85%5 z) d$ O* `9 i: W+ o

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5 year  fix  3.99%

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