利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

$ e4 S4 `1 R# e4 [) C5 b% }
( l# T# x- A- `( Q利率新动向：
7 A  t- J. R# \+ X" V
8 s9 u' E/ T5 D0 w1 _  |: J3年浮动 P+0.15%
* A, R8 L( ~$ B1 z  P
: ^4 Z0 \; b# L( j; K; F5年浮动P+0.30%

" M1 R1 Q, u: V; j/ @5 F
8 X4 X0 N: d2 `  |& h  m/ r3 year  fix  3.39%
1 t5 ~: V$ b0 K" m$ h
4 year  fix  3.85%
4 I2 ^: Q+ ?0 Y$ {! h! @3 ~
+ r, d( E4 F, w0 c7 P& `5 year  fix  4.09%
4 l! l! _) e* v
0 Y  F6 K' b5 x  r* _
# W0 b) @4 W' H- e
/ |. `! v2 z# ]! I0 b) ]

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

; W3 K# p9 m) @) g
% D# _  s$ q+ @% Y& I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。

# |) ?) L: l4 y/ D, z6 s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%
" p. ^; I8 Q+ ^, W- V9 w! j
- m# V8 H- V; w! @0 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.

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

& l! v+ e. L5 F8 A. iVariables Get More Competitive
3 O! R: p( y8 p
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.

0 u5 u' k7 o: z/ G0 O% S9 ZMerix 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.
5 b/ q. o% {$ g- @You might ask yourself, “Why would I want a variable term under five years?”  
  I, W( o; u1 b: ?9 |9 o+ AThe 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).
  h2 \  }' Z" ?
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

# N3 J, C: f; J9 ?- @4 t Variable-rate mortgages are inching closer and closer to prime.
. J* O+ I1 F. y& C" V9 J9 P
4 K: j& I( w: J6 z. d) S: [This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
1 B2 {  }& L" r6 w0 w+ Z8 k年轻的心 发表于 2009-8-16 14:13

4 {& \. f. H: z, n5 g
) V% l8 \* \/ w: X* O3 n8 K
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：
! g& }* R  a0 U% P  B
  E$ r0 G  Z$ j! S! I" p8 M3年浮动 P+0.10%
2 [0 ^% g$ {3 \. w4 A
5年浮动P+0.20%


3 year  fix  3.39%

4 year  fix  3.85%
9 n' N4 r1 u/ f- ]7 B( ^( Z3 r
5 year  fix  3.99%



8 o4 @! A+ P7 o  ~
& q7 R# b1 G' ^
6 l5 [2 }* _7 o  G/ U  i1 |& p; t呵呵，需要的朋友请点击右边广告 Email 联系。