利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
0 Q, A, `+ D. y8 {; A8 }
+ `7 s8 S! E/ ?3年浮动 P+0.15%
' L" X; u' X2 l0 b  r1 Z
5年浮动P+0.30%


3 year  fix  3.39%

! r4 v" ^* j! Q3 ?) X  W4 year  fix  3.85%
) T) X- l5 j: n/ a% i2 ~
/ f* f6 D# z% G( }5 year  fix  4.09%



& ^7 J) j. l4 K$ S
( A9 ~; T5 o% J  z
- X% B9 P7 l; t; N! S4 Z1 H; `/ N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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
- R! y0 n3 ^2 H. E- Blunik 发表于 2009-8-14 19:20

9 H7 B9 Y" P* _6 i! l$ x
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。
0 v& ~: }5 h# K& P7 H! S! Z4 _1 L, k5 {
, }/ D( u/ K* ^% h7 Y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!
7 K6 f( Y' L7 x  Jmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
/ U4 y- o+ H& U% F0 U8 m
. {* c: f! f) @% C+ x; \; D  X Variable-rate mortgages are inching closer and closer to prime.
' K# a  B' q% P, u4 y& J6 F* r5 d6 \
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
% D! t: D  p/ M" E2 M1 ?, I* N
Merix 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.
4 m, u- y! G$ e: ?( Y0 E) tYou might ask yourself, “Why would I want a variable term under five years?”  
* b( ?1 f( j7 ]( g& M: F( l% EThe 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).
! j! u% j5 m. C6 I, \7 b
What’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
$ Q/ `6 X& f1 _5 e* T
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’ ...
年轻的心 发表于 2009-8-16 14:13

; p/ U- F$ K* W  o; n7 D
5 R  Q( Q/ }4 x; d! D: Ythank 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：
9 Z# |; g  d9 M1 O# m" u" O
; ^. g" H) W& ~9 s' P% z, ]3年浮动 P+0.10%

5年浮动P+0.20%


8 V. x( O0 I/ s/ ~0 |2 @3 ]+ J4 L3 year  fix  3.39%
. @6 ]/ z4 }  }7 h* l! e# h- y
  A' g8 [: W! k4 year  fix  3.85%
6 U( V2 e3 `" P, c5 v# b& K4 w
6 {. i" }4 j5 q& w1 T5 year  fix  3.99%


# w  N7 u- M: L1 ?' Z4 {( f
( X: u; ]+ q* @
! E+ k9 P; o7 U6 P
呵呵，需要的朋友请点击右边广告 Email 联系。