利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

# r; T8 c$ s0 U; |. j3 z利率新动向：

$ I! @7 }' S5 `4 V7 {1 G0 E( Z3年浮动 P+0.15%

/ J- Y, U# {4 V$ W! \8 b5年浮动P+0.30%


9 H0 X5 b- U; M# [3 year  fix  3.39%
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3 S" G! H6 `+ ]2 y1 s6 q3 A4 year  fix  3.85%

- K; J2 L! v  I2 q% |4 S5 year  fix  4.09%
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7 w5 l+ H; `9 U8 E2 C0 Q, K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

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%

. r( P. B9 C, [' m4 V. \3 }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!
$ |4 n0 ?* }/ _0 Bmeijuli66 发表于 2009-8-15 23:33

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0 ~5 {6 @* }% O5 TVariables 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’t been this low since last fall.
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1 O+ I2 {+ S8 q9 P1 ^6 [2 z! DMerix 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?”  
) m/ O, R$ Z2 z7 t7 w0 @# }The 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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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
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Variable-rate mortgages are inching closer and closer to prime.
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& h5 |( y8 k6 G* T  w+ vThis 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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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%

: i: H; e) T. \5 R5年浮动P+0.20%


  V3 |+ i- ^" o" y$ D4 l4 T/ F% g3 year  fix  3.39%

4 year  fix  3.85%
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2 W  P  i! j3 G1 h) z; Q* k5 year  fix  3.99%
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