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本帖最后由 Albert06 于 25-5-2014 15:38 编辑
又来麻烦各位坛友了,实在是对贷款之类的不太了解,最近有在谈房屋贷款,但比较了几家就拿不定主意了,不过现在利率确实比之前有涨了。
配套一:
SIBOR with option to switch to SOR (min $200K) - Completed/BUC
(No Lock in)
Year 1: 3MSIBOR/SOR + 1.00%
Year 2: 3MSIBOR/SOR + 1.00%
Year 3: 3MSIBOR/SOR + 1.00%
Thereafter, 3MSIBOR/SOR + 1.00%
每年可以免费 1次从SIBOR换到SOR rate, 现在SIBOR rate 是0.4 左右,SOR rate 是0.21 左右。
配套二:
SIBOR (min $200K at 0.90% markup throughout) - Completed/BUC
(No Lock in)
Year 1: 3MSIBOR + 0.90%
Year 2: 3MSIBOR + 0.90%
Year 3: 3MSIBOR + 0.90%
Thereafter, 3MSIBOR + 0.90%
配套三:
Floating Rate, FHR Rate (min $100K - require mortgage insurance)
(No Lock in)
Year 1: FHR + 0.75%
Year 2: FHR + 1.00%Year 3: [size=14.44444465637207px]FHR + 1.25%
Thereafter, FHR + 1.25%
配套四:
Fixed 3 Years; thereafter FHR (min $100K; require mortgage insurance)
(3 Yr Lock in)
Year 1: 1.58% fixed
Year 2: 1.58% fixed
Year 3: 1.58% fixed
Thereafter, FHR + 1.25%
希望大家可以帮忙分析分析上面几个配套,好赶快就定了,再次谢过了
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