利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

) D- Z3 a7 T4 [  F! F利率新动向：
8 d# N+ G  V2 s4 l" o" J+ ^# U7 ~0 d# Q: W
* \+ \4 o& U" i! o: s) q1 m8 M3年浮动 P+0.15%
) R' I6 C3 D' V* X! e  b% H
& K) ?8 ~5 }- d: h5 M5年浮动P+0.30%
2 N- f' B( F& q6 {7 p/ f4 r
( c* s! G* c0 |# d6 V' M7 m- {
' x4 E1 c6 R, K. T3 year  fix  3.39%

4 year  fix  3.85%
$ |6 G: x, S5 Z1 O- t
- ]* F$ f4 m& N4 e. ?8 D. @( X" S4 {) K5 year  fix  4.09%
' A, f8 b9 Q. k! E' ]  o
9 q0 p8 i% H/ D6 ^  d* b  Z
, B' M$ P5 j8 S% s) P1 q" p/ b
6 l& d7 x- U9 v! p8 K' {

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

  Z) c% W: H+ p$ `1 o* F% ~8 m
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。
& t4 a: ]9 N: B
4 W6 X- O8 J& O! f4 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%

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!
* @# Y8 S, W$ q) Z- R" |$ bmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

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.

+ h5 F% a3 c, N6 o9 JMerix 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
  c( L) }1 o* J
' R% R; w& Y7 E. ^2 o8 P/ ? Variable-rate mortgages are inching closer and closer to prime.
$ X# ]# Y2 {: I9 o1 d# ^, V. J  G' y
6 i$ d/ X4 u" r+ FThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
5 ^  d: ?  a$ [年轻的心 发表于 2009-8-16 14:13

* B- ?; P' U) s' z* m
/ w2 J5 H: x+ t% X
2 P& J" w2 P# D" A! K* D0 g( o5 Uthank 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：

3年浮动 P+0.10%
$ `4 M. }4 W- k6 \. n4 k; I, `# I. d
5年浮动P+0.20%


3 year  fix  3.39%

0 [2 H9 P* `2 B# D4 year  fix  3.85%
- Y- F$ g5 K8 x7 j
+ B. S& W- U: w5 year  fix  3.99%
3 F: w4 c- M2 M: f; X
/ M7 }3 g; K2 S0 D

; t: ]; @# n. n' G

" }* b3 l) {3 A* o呵呵，需要的朋友请点击右边广告 Email 联系。