利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

( i7 [0 o/ d' b( ^  t
/ L4 e2 U, h  X' X& |利率新动向：

3年浮动 P+0.15%
$ N# J  p) t1 S0 p
5年浮动P+0.30%
2 v) h3 k+ A/ ]$ S! S
5 j5 s" z/ u4 W$ I! i/ B: B+ K
% G; z5 J: r" {! U3 year  fix  3.39%

4 year  fix  3.85%
) L6 h( b5 t4 l. x, K
5 year  fix  4.09%
# w5 Y& b8 E) t9 c
. }7 @# F4 ?- d4 x! H: a% f, ~* j
/ a  J- j# ?# W7 @7 o# l
! b. m0 a, K" t# }

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

; X7 N5 v6 ^# \: O3 Q+ [8 ?

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
2 Q$ _% ?. v8 nlunik 发表于 2009-8-14 19:20

1 W5 l5 g) C' r/ z4 m& H4 K* W
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%
5 }& N+ C4 d5 d4 ]2 ^  k
  [' M) P% c8 e+ j9 M) R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!
meijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
' \/ t0 Q- R, v
6 {  X  |0 e. v Variable-rate mortgages are inching closer and closer to prime.
) ~& v0 R/ s. j9 g
& N' X/ w7 |9 f8 N' _/ eThis 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?”  
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).

  l: E# Q6 K& p7 `9 E6 l7 {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

Variable-rate mortgages are inching closer and closer to prime.
; f/ n* B7 B1 W" y
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
) Z6 }$ E$ d) d3 u& Z/ c年轻的心 发表于 2009-8-16 14:13

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%
6 m$ ?4 i' F$ H! M$ R- S
5年浮动P+0.20%
# i; E! u! @- B: l  U
. w. U1 `* q. W% _
3 year  fix  3.39%
! ]0 C0 B$ l" U' t& ?
8 F  e) P3 M2 k) R7 C2 y$ N6 ^+ C4 year  fix  3.85%

7 W5 b9 n7 p5 w5 year  fix  3.99%

5 ?+ y- x/ r" D- x2 e
% d3 _- t. J8 Y6 V; l+ `5 p$ M2 z

" }. q$ k# w8 j0 P
呵呵，需要的朋友请点击右边广告 Email 联系。