利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

$ c+ y5 O1 E' M" f1 {
利率新动向：
! t1 W/ ~9 v, P; F
3年浮动 P+0.15%
4 e8 v+ ^; s7 K0 m
: Z  C3 G0 u' J5年浮动P+0.30%
8 @- L/ J( b1 ?8 S$ E8 [0 F

3 year  fix  3.39%

' l1 T: Q7 A% E8 {) F5 i" l- @4 year  fix  3.85%

5 S9 s& C( f& l( {# L5 year  fix  4.09%
  y0 r% Q: A9 D2 z1 m
- V; [0 n$ j7 T8 I5 \7 g) L

- ?6 T/ Y+ U8 d; n& d# E' C2 W
5 J; {4 `5 u, y# o! y
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

" q$ {4 H5 Z: u4 X5 R
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。
# i) z! X  c/ ]5 _3 Z
! k/ S" }% u8 x7 ]! m. 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%

1 w& j  j" C, A; 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!
' }, c0 t# g. p+ Emeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
, R3 T8 U$ N6 k  o
9 E4 D: W' u6 b" E' c Variable-rate mortgages are inching closer and closer to prime.
: g0 P* D6 Z1 K  z3 [4 [( L) f# U# W+ I
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
/ D4 O$ z2 A" B
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).
, ~1 T, I  _4 V# K/ r
* k  [/ u2 m" V: D( ?) ]! ?8 t+ CWhat’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
/ n" H$ Y# T8 `' N. k$ V/ c: G; u
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’ ...
年轻的心 发表于 2009-8-16 14:13

& ^. @: I7 p8 J7 D5 a- [" I
1 Y. K& U- y* v& H8 l2 a
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% B6 b' L" [1 c0 Z
: N$ E& M. f/ S  E: q  ], s" k6 H3年浮动 P+0.10%

! p% D) D% t) i+ z0 Z5年浮动P+0.20%
+ M4 [$ e, ^4 k

3 year  fix  3.39%
; E2 {2 T! s0 e
4 year  fix  3.85%
0 V4 _/ L  U2 X4 ?
5 year  fix  3.99%
0 a( z9 m: l3 r



6 ?, x" ]1 A0 q+ C
呵呵，需要的朋友请点击右边广告 Email 联系。