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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利率新动向：

# }% R$ N( K7 K* R3年浮动 P+0.15%
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5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%
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" {' _; A& Z/ ^5 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！
9 X' C/ K$ q. O+ ^3 T9 Qlunik 发表于 2009-8-14 19:20

0 a/ p( N) p, f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%
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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!
. P" `3 ?% ^; V# lmeijuli66 发表于 2009-8-15 23:33

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$ v& U/ C8 B5 f% n4 J- gVariables Get More Competitive
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3 ?! {7 F5 C* M! \8 ^8 [ 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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: J3 O  o: Z# e, O7 \0 A# d- [: `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.
" |; t; i8 M2 u( i  o8 v4 z4 YYou might ask yourself, “Why would I want a variable term under five years?”  
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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, z: U  S' ]- N" n6 AWhat’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

* G5 b1 p) m2 |  R" D/ o Variable-rate mortgages are inching closer and closer to prime.

3 q  z+ }: z$ S; QThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
; V/ t& x5 z/ P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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% }# q; F% w! }3年浮动 P+0.10%

3 U8 }& w, U! F2 C+ E# F5年浮动P+0.20%

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. Z' M& C* ~, x1 q! O; Q3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%


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, y0 @5 |2 Q5 t8 \1 E  S( G: g8 J呵呵，需要的朋友请点击右边广告 Email 联系。