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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利率新动向：
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7 t+ C$ Z& V  ]3年浮动 P+0.15%
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/ @0 _3 L/ b! \# u; a5年浮动P+0.30%

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8 G4 F+ a2 |+ u) T3 year  fix  3.39%
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4 year  fix  3.85%
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1 V4 Z# f6 a* L  {- `( I7 Y. x5 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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
, [1 m$ q  ]9 X/ @  J' {& zlunik 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。

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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( x$ a& ]; u3 C# F0 u) f5 z5 p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!
* |/ h, c% P( k! {& y( X+ r# U- Omeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

5 K' R4 s7 f9 C0 I/ r- Y, {! yThis 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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! _1 `: W3 z2 Z+ {, d' MMerix 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.
0 s% Q' W/ L' p. p3 S6 s  pYou might ask yourself, “Why would I want a variable term under five years?”  
! o+ e& |4 R4 ?& g4 _8 jThe 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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) m0 M' g( k6 u5 E9 V6 \  ~: A' OWhat’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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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

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: F2 F5 y3 ~1 X) c0 kthank 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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8 ]+ T; N& G& N3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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4 year  fix  3.85%

5 year  fix  3.99%



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: q5 L2 d% W3 t呵呵，需要的朋友请点击右边广告 Email 联系。