利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

4 b4 Q+ D) P% N: O, k; Y/ T5 T利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%


# ?! s* {* l/ H4 U5 v/ H# q' f3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  4.09%

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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！
. m5 h( W: R! C7 k9 \0 ulunik 发表于 2009-8-14 19:20

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* }5 M4 ~6 |6 }/ ~, y7 {( o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。

! Y3 |2 y3 m" W3 H& G% r/ Q3 C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%
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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!
. y& M* {' Q. r# pmeijuli66 发表于 2009-8-15 23:33

1 \4 i+ l% ~7 M# m3 J; _+ AVariables 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.
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! `! v& h. \3 W3 d5 F5 d* kMerix 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).
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* E) O! t8 _& n" GWhat’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.
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; v$ j) [& D8 I/ kThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
; n6 @9 X) e# i8 J: `: v年轻的心 发表于 2009-8-16 14:13

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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：

3年浮动 P+0.10%
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5年浮动P+0.20%


3 year  fix  3.39%
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9 q! R& g7 Y& x# F4 year  fix  3.85%

8 r' w/ k5 x) q- V# x* t5 year  fix  3.99%
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% F9 s$ Y8 h/ m3 ~/ D  G呵呵，需要的朋友请点击右边广告 Email 联系。