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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' g& Q1 ~1 O1 F+ ?# ~利率新动向：
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3年浮动 P+0.15%

4 v9 Z+ C) \7 I+ l* X. d5年浮动P+0.30%
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1 X: n: c9 v0 u3 year  fix  3.39%

4 year  fix  3.85%

. Z& B) q+ l) ?, C8 n5 year  fix  4.09%
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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

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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

9 |: L3 s4 W, [$ u- |4 k- X# Y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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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!
meijuli66 发表于 2009-8-15 23:33

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. {" n7 b0 z( B2 c" }+ AVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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2 H8 D  ~  Y0 d7 R# R4 ~# DThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

  T( k& {, d  M( G/ ]1 x" T7 l8 E" gMerix 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?”  
# h3 o4 `: I4 _" ]5 F) GThe 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).

4 E) B, P" _" R+ l" XWhat’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’ ...
; L6 |" ?( s  U  g7 U6 |年轻的心 发表于 2009-8-16 14:13

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) M  {6 ]- F- @+ A' X  k' Cthank 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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' i: n) z. V! Z. {0 N! X3年浮动 P+0.10%
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1 M* i0 S& [$ O8 ~5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%
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- n4 E  }4 x" s  A6 y呵呵，需要的朋友请点击右边广告 Email 联系。