利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

$ i: ?  j0 g- h. w, ]7 @
利率新动向：

. [1 H/ U9 c; B3年浮动 P+0.15%
& y( Q5 t. |( J1 c
5年浮动P+0.30%
. x" E& I1 D4 m/ F
! O4 y9 ?( D- n" Q' p5 H8 ]$ C, w; A
1 v% O& d' W5 d8 y% \9 a; j8 N3 year  fix  3.39%
2 f" r6 w0 G. g) |) V6 r
4 year  fix  3.85%

+ x$ e% y6 T5 P- h: D3 [/ L5 year  fix  4.09%

& \) j/ a/ ?" x

: a9 V, [$ h5 s8 `8 I# `

& _: }5 |7 S! G- V4 H  U1 d/ P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！
" M* |: d  ?' `# C- elunik 发表于 2009-8-14 19:20

. A2 W4 V3 H  Y. R" `& r% h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%

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!
6 Z; }5 b  g( a4 x5 A# l& Vmeijuli66 发表于 2009-8-15 23:33

0 D. d2 A0 ~) Y4 \5 s" R
8 b7 H7 ^; a8 V' ?Variables Get More Competitive
- c7 I1 r  U* }' o& h
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’t been this low since last fall.
! P# h$ q' W  n# ~
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?”  
% ?3 {& C( `8 }: t  c8 eThe 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).

% B, j0 O/ n. J1 r! m  X8 v7 O; G* I' cWhat’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
5 I& f) `0 D6 l- z7 T
Variable-rate mortgages are inching closer and closer to prime.
/ a5 y0 u7 Y, d" C( i2 Z
$ \/ ^; @0 a8 X# o+ o0 SThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
( \6 C& f' V! p; G& l  [年轻的心 发表于 2009-8-16 14:13

* R/ {" S' r/ r/ T$ o7 C; p& ^- ]2 N
/ H' h7 j! \" K4 g8 L) J* t
' A, T. f8 X# n9 F2 M" Mthank 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%
! o3 [, O+ a# H& v
5年浮动P+0.20%


9 ^( x6 P- K! A# J5 Z6 z3 year  fix  3.39%

, J5 x( r. e2 z& N4 year  fix  3.85%

, w8 [; N* l) {. b5 C/ ?5 year  fix  3.99%
9 h3 f8 o% L2 j  H  j9 c


( N( x- K5 W; u. |: d5 r6 w5 w
" D: ]6 ~% c( I& A$ @1 }  p
/ c! W# j( N: O* G' r9 y呵呵，需要的朋友请点击右边广告 Email 联系。