利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

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- @! l3 F# Z0 m: [% v) z. j6 X+ e  P3 l: P利率新动向：

/ b/ g) ]" V1 [* p2 N3年浮动 P+0.15%
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; `" I2 ]4 F6 @+ g+ }6 L( G+ l5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%
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9 r0 ~* s5 l- {  S( j3 Y* M5 year  fix  4.09%
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% C( o6 v5 Z1 ~1 p* j  z+ J+ l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。

& v% X: k5 ?* 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%

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!
meijuli66 发表于 2009-8-15 23:33

1 d4 D' y6 t& |3 V: xVariables Get More Competitive
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8 z; v/ O" ]4 X4 ` 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.

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
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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

( M0 u& \4 ~; I: Othank 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：
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3年浮动 P+0.10%

- {% n2 t, I8 _# @5 u5年浮动P+0.20%


8 [; b& c8 k# t; h3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%


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