利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
8 V$ i3 U: ]1 z- A6 i
3年浮动 P+0.15%
+ V0 p) J" ~: V" m0 \
5年浮动P+0.30%
. p4 a4 Y/ K% f: e1 P
1 I2 z4 u; d# G' i
3 year  fix  3.39%
6 J) o. T1 p; e& Z+ z  k5 G8 h! i3 r) d
5 D5 j# J0 T; b; O! d" y8 \4 year  fix  3.85%
* m" Q' T" J: J* G0 B
5 year  fix  4.09%
; b- T, o5 A7 [( M& g5 L3 O
  H" ~# H/ _! G& U
% w  a- V" Z7 U8 t- ?' l


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

* r: \5 S  Z7 O- ^- x3 s2 W/ j' P
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。
+ y5 R3 W) M; @' N, d, y* Y
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%

1 y+ N& \0 s$ h+ }  |+ 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
/ o- ]7 T8 h5 x  j
8 p/ B& Y0 Z; m( t Variable-rate mortgages are inching closer and closer to prime.
+ W/ T3 ^7 i8 _
3 M4 d1 a4 d) A' X+ P& FThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
8 w: G7 C' J$ W5 g1 P
' }& D  N  H+ T3 lMerix 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).
# d. h1 \6 C8 i9 w! m8 C, t
3 z; Q. w5 |- m% U. d% ?- [) oWhat’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

0 s2 n9 D: ~) R' c& H( x Variable-rate mortgages are inching closer and closer to prime.

. E5 u- I2 O* ]( pThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
年轻的心 发表于 2009-8-16 14:13

5 j+ s$ ]/ s$ J2 x! y$ S
4 V: F6 \% v2 D& e; ^$ t
) Q( P2 L+ m1 c9 t) r( c& A3 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：
" a; l! n3 N3 c$ ~0 r, t& Z; g
3年浮动 P+0.10%
. _( I, C; {" r- T* q6 T
5年浮动P+0.20%
5 q4 Z3 u; a1 W1 O8 X* i4 f
: G( U8 b9 x0 P5 X: a
3 year  fix  3.39%

5 T" b( N5 U8 i! L% a$ X& }4 year  fix  3.85%

5 year  fix  3.99%

, Y' @5 w( Z6 y* X; M4 d9 Y8 a3 H; E
9 C/ e: M) q& t/ q- `8 Y

( t, t" p+ J2 H) _
呵呵，需要的朋友请点击右边广告 Email 联系。