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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
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利率新动向:0 h: M5 \+ W* A' }$ {+ u; Z
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3年浮动 P+0.15%+ [* v$ ?$ f* _! W% e
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5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%1 K- ]$ o' z1 R6 m0 B
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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 , F9 c4 Z, I/ t3 V7 T, w8 g" E3 q- M% J
我想知道五年浮动利率加0.3%有什么要求没有?谢谢!3 V. i0 ^  `' U" b3 I- Q* \+ E
lunik 发表于 2009-8-14 19:20

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" a. Z) ]; ~1 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。
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# S  P  }3 y/ V" P! p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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5 q, L4 p7 R. I  Y, r/ h例如:贷款20万,每月应还$900. 你每月可以还到$1080;每年可以再最多还剩余本金 200000 x 20% - 180x12 = 37840,即多还的两项之和不超过40000.
鲜花(2) 鸡蛋(0)
发表于 2009-8-15 22:33 | 显示全部楼层
老杨团队 追求完美
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
鲜花(115) 鸡蛋(0)
 楼主| 发表于 2009-8-16 13:13 | 显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
# M5 F! y( K/ O. ?. X0 K  T# umeijuli66 发表于 2009-8-15 23:33
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Variables Get More Competitive+ q' m. _0 f- d
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Variable-rate mortgages are inching closer and closer to prime.: A; _/ y2 ^1 ]' `, C
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.( c; I6 }+ Q; a
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Merix and MCAP were among the lenders cutting rates this week.  Each is now offering prime + 0.15%, on 3-year and 32-month terms respectively.
+ Y- z5 ?$ S" Q6 |1 ?1 ]- C9 h4 n4 ZYou might ask yourself, “Why would I want a variable term under five years?”  . j2 b3 q1 M9 G" N
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)." d) ]) [  }+ D5 P6 R
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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).
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# t0 T! D% Q  z
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Variable-rate mortgages are inching closer and closer to prime.- c' r% I5 _: b  g

- ]- S& B8 t# O  e5 k8 f5 jThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
& U# C' k9 \2 \( `% e1 ~9 P/ H2 p年轻的心 发表于 2009-8-16 14:13
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0 j# s; u$ }/ W( q" [/ Mthank you very much!
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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:; l" }+ W3 \  Q  N

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3年浮动 P+0.10%
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3 year  fix  3.39%
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4 year  fix  3.85%  x2 Z+ x0 K7 ~: V, a# c5 U
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5 year  fix  3.99%
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