利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

( M" D4 ]1 ?, x% c& _% N
利率新动向：
' E0 O. E* Y; s6 H( K* S& l* W
3年浮动 P+0.15%
0 ]  e, P6 N9 e7 s; r$ e5 \
5年浮动P+0.30%
! T8 Z: k; r' G& s) L  @

+ q/ I4 y2 M) y4 N1 S3 year  fix  3.39%

; R' w$ O5 D9 D; v* R* [; o4 year  fix  3.85%

5 year  fix  4.09%
5 E& B6 t) w" I# Q" ^7 {
  R. V8 W8 m( B' ~# x

, O" d4 K2 H2 y% k; _

  S2 P6 T# q) a7 q4 U4 x# P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

% }! Q8 R. x# p. P  S" z

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
/ R; i* ^: _% m; h- l$ E! Tlunik 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。

' p" k  |% W  i+ S3 V) L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%

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!
4 }" p6 n4 j: U, S2 x8 S) J' X& Jmeijuli66 发表于 2009-8-15 23:33

+ X0 q5 p+ l% [2 G% P9 P# U
7 s: O" [2 e' W& [; Y4 [3 d' {Variables Get More Competitive

! j5 Q2 c0 C1 f4 J  R Variable-rate mortgages are inching closer and closer to prime.
, `- }7 F' M) d
8 ?0 j/ L+ _2 i. b; o2 I+ l, ~$ rThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
7 |& M0 D# ~3 c% J* E: {9 f+ v/ \
0 m7 f" ]9 [# g1 \- }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).

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
/ m0 {+ f: Z# `% o
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’ ...
7 [' @0 w( l7 H8 x6 c0 Q+ }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：

9 f# j( I( y6 j3年浮动 P+0.10%

8 c  g- W& C* k( ?5年浮动P+0.20%

- E8 }4 w  |1 {! K8 ~1 a3 ~+ P
3 year  fix  3.39%

8 x- B/ }6 f% N  ?9 Q) R( A7 ]/ t4 year  fix  3.85%

1 R  u. G# g/ _# T7 R& q6 W1 _+ o: T: ~5 year  fix  3.99%
8 G+ l/ x5 g: a  v. c9 q; y5 O; O



7 c5 M- T; O/ R* o: S' U
呵呵，需要的朋友请点击右边广告 Email 联系。