利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

" x' l0 A' j1 a* U2 N7 u+ A! T利率新动向：

3年浮动 P+0.15%
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: J% _: @& s+ Z5年浮动P+0.30%
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9 B5 }) `8 e, h0 c$ J0 D7 t$ r3 year  fix  3.39%

" X' V2 Q) \' h+ f% y1 o, z: ?4 year  fix  3.85%

% Q4 F% }5 o/ p  {. [) H5 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！
lunik 发表于 2009-8-14 19:20

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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。

6 ~+ V& K$ f" Q5 }+ z! e7 ]. Q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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3 J6 G7 Z- u* c0 [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

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Variables Get More Competitive

: Y: h6 `; b' [5 [' z5 r 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’t been this low since last fall.

% a! }6 d3 ]  Q% p+ `( T& iMerix 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.
/ c( h8 c5 U6 S& CYou might ask yourself, “Why would I want a variable term under five years?”  
; \3 x/ P7 x* Q  X2 t2 iThe 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).

1 H! V( E7 ~6 h7 Y- t1 m2 wWhat’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

  N  Q/ y. J4 `6 J Variable-rate mortgages are inching closer and closer to prime.
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# [/ z( s! [" R6 ^This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
# |" F$ G/ g2 s5 l  g8 T7 @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%

2 x8 B, Z4 K" U1 V# ~- m5年浮动P+0.20%

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; ^" C4 Q: K3 D/ T7 v3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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, }! \) `0 z% `8 w呵呵，需要的朋友请点击右边广告 Email 联系。