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：

4 [8 q( ~* U+ Q& j3 z" J" m3年浮动 P+0.15%

5年浮动P+0.30%

( o& l3 V' t( |4 N* s1 w# @' h% S2 f0 A
3 year  fix  3.39%

4 year  fix  3.85%
. m9 S( V; H) f/ Y; o
- V( B# J; N4 m8 g5 @- Z2 C5 F( g5 year  fix  4.09%

  J7 L( n. \- Z# o8 B

7 B, k9 I5 G7 U3 n, _: s( G4 o& k

; S* H. i$ b+ l0 h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

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。
( |2 B% d7 ?2 f3 y( x3 l8 D, ?: g- v
; X9 O, ~. A$ H* i9 X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%

/ n1 }! ?& J+ S6 N/ N! I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!
# g0 v7 M9 A) {! @  M' q$ }' Tmeijuli66 发表于 2009-8-15 23:33

# I$ M3 ^7 h0 E1 {# z% f( R
Variables Get More Competitive
- Z7 z+ E( \; n( \( ]
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.
. l0 C7 m& A$ ^; ?5 `0 r7 M
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?”  
. z3 F, y  ~1 e, @/ @* Z, P* qThe 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).
+ i; W! |; b; x* H$ H
2 ~" T  E: }, r) K; w( 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
; X  a# `5 A; A8 T
* p! d7 d1 w' g4 W! ]  W. R 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’ ...
1 F& x8 c1 T) H! G$ M$ ~年轻的心 发表于 2009-8-16 14:13

/ }8 p' f4 T" |! r, y5 G
# Y6 c! p* n" O) ]
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：

" E' t% n  ?& E# g' a4 \8 s3年浮动 P+0.10%

5年浮动P+0.20%


3 year  fix  3.39%
! i) e# u% g) [8 F# ~
: s1 \# W# ]4 H4 year  fix  3.85%

- n; s5 r( O& I/ b3 w5 year  fix  3.99%



! b/ R2 j( W% o8 w* e: L

呵呵，需要的朋友请点击右边广告 Email 联系。