利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

( j/ I3 K9 Y; G3 w, q: k
利率新动向：
  `4 J3 _+ ^$ v+ O" o  w, \
3年浮动 P+0.15%
2 t8 K1 e; L1 d+ o) w) y
, ~" q$ q2 V) f( i* }5年浮动P+0.30%

3 x5 K- h# D0 c# n( @
3 year  fix  3.39%

/ _* P" L- ~/ _9 z, t8 z3 d4 year  fix  3.85%

( r+ o: q8 K* _( c: Z5 year  fix  4.09%
* k4 J, t3 K+ X9 S$ o

8 E+ }- i; J* ^! U# e/ S5 G$ _


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

+ W7 s7 Z; a% ?* b8 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。

7 @7 V: _: U* ]3 Y( X! ]' [+ e: J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%

& N; S/ O& |2 C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!
) y# j/ E8 L. ~/ ?" j1 y; k7 v& Q% jmeijuli66 发表于 2009-8-15 23:33

8 i2 z& t7 E' jVariables Get More Competitive
" x6 u4 v; [3 V$ T+ u) a8 `6 ?
( k- }3 B% ], y, I Variable-rate mortgages are inching closer and closer to prime.
# _5 y4 U2 F& }, x# M! @
/ T- K: ^. z& k2 zThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

1 n' m3 ~+ j" T  N, |+ u0 gMerix 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.
3 F& z2 {6 o! W2 L* C. t- H; YYou might ask yourself, “Why would I want a variable term under five years?”  
% i- B( \  v/ g0 ^* H! j  p) gThe 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).
: Y: @7 D4 |# J7 k! L
3 N1 S2 L( s! _4 y6 c/ {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

% r+ n0 z) Q( B6 A& R9 P  J, m Variable-rate mortgages are inching closer and closer to prime.

5 [5 m1 Z% ^& QThis 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

+ `& t) L- @) u
& z  s. @; P9 o. A* w, M
. t5 {( e2 @" L1 a/ r! dthank 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：

/ l+ o& d2 r# ]% S3年浮动 P+0.10%

$ m8 E  Y1 @/ f, x/ ?5年浮动P+0.20%


3 year  fix  3.39%

* J7 M5 F* I, A/ S$ q, f& j: C4 year  fix  3.85%

5 year  fix  3.99%

# V" C( i; @# }$ [2 b( U



呵呵，需要的朋友请点击右边广告 Email 联系。