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：
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+ a3 _% ]! |1 c% I5 A$ f  k3年浮动 P+0.15%

5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%
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2 O- J& `# U+ ?$ W7 U5 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

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

2 ~' |1 m: X& K, A" R2 s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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' r. _# H" n0 D! W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!
meijuli66 发表于 2009-8-15 23:33

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" w+ ~4 t$ |/ u' F4 a. h0 x# }Variables Get More Competitive
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4 T- n3 T" V( F2 W3 y$ H 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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0 z8 x  t9 Y; qMerix 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 }0 }3 k, }5 V  cYou might ask yourself, “Why would I want a variable term under five years?”  
+ C9 B1 o% \# l9 e5 t0 Z  HThe 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.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
" |- {4 a% _' q% ^7 J2 M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：

0 E; r0 K. O  G# M3 {3年浮动 P+0.10%
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5年浮动P+0.20%
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& S2 w$ ~. U3 A3 year  fix  3.39%
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4 year  fix  3.85%

7 r6 f3 ]. L9 c9 ?: k5 year  fix  3.99%
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; a& j' y- ]* Q; ^呵呵，需要的朋友请点击右边广告 Email 联系。