利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

( \8 U+ J# H! Y0 b) T1 i利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%
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& u7 O/ o) N, t6 X/ f- ~3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  4.09%

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' j1 h! R/ }7 o9 U' Z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！
% \0 G$ E* Z' R1 N; O! Dlunik 发表于 2009-8-14 19:20

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3 W4 q2 y! T) v- 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。

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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3 ?* i& K" R. ~! e$ _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!
1 |+ J$ ]! }3 N  R1 _meijuli66 发表于 2009-8-15 23:33

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/ T$ Z; |- l. b6 O- @( h& x$ cVariables Get More Competitive
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, X: E) B/ D- P  e6 T: n* u9 j Variable-rate mortgages are inching closer and closer to prime.

. Q4 ^2 L# l0 d- o4 d* XThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

4 K1 e3 X; X7 K9 V4 s" x3 ]9 X. pMerix 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.
. B$ f) }) i9 jYou 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).

$ Z  F4 f/ f0 n. cWhat’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

Variable-rate mortgages are inching closer and closer to prime.

4 y/ _7 j  D" x; OThis 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

! O- F/ c$ W4 M7 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：

/ s9 Y1 T! u# J# H, Q/ `: ?3年浮动 P+0.10%
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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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( R/ i) z% [* w- D9 f5 year  fix  3.99%
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