利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

$ i0 b! d# E  E利率新动向：
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3年浮动 P+0.15%
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& w1 x0 q( i% R# X3 M3 H5年浮动P+0.30%
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3 year  fix  3.39%

4 year  fix  3.85%
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& S; K0 ^* C! D% B/ z  i5 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！
! J: a+ j* A9 g5 \( i* qlunik 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。
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# i! E& }& Q& n) \# y3 g0 t# m& `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!
# a2 k- B- Q0 R/ Vmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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) @& g# Z9 D8 L- @5 V$ Z7 F+ ` Variable-rate mortgages are inching closer and closer to prime.
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" s1 P+ Z+ `9 A5 jThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

. d% g1 y) W( E3 f2 }3 jMerix 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?”  
' ^9 [; N4 h8 k& A0 V0 z# yThe 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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6 x( K1 |( ~- DWhat’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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, h  r3 S  a  a- Q2 C* c* D 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’ ...
+ o8 b6 D" w$ W/ C$ C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：
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3年浮动 P+0.10%

5年浮动P+0.20%


! [' T  ?& U- Q' a$ p3 year  fix  3.39%

4 C" v8 B) o: d/ Y$ {4 year  fix  3.85%

( f" l- M9 e& n1 P7 a( C1 `5 year  fix  3.99%


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呵呵，需要的朋友请点击右边广告 Email 联系。