利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

  Y  h: e6 y: u7 C1 P3 \7 V利率新动向：

/ J5 ]+ F- z3 J3年浮动 P+0.15%

5年浮动P+0.30%


5 t7 X+ D) K; N; A5 D; W3 year  fix  3.39%
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4 year  fix  3.85%
+ @( ?! @+ L6 Y- |# m9 n: }7 s
5 year  fix  4.09%





$ b+ X& Y3 b6 x1 S' U% T0 M* P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！
& L$ K8 l) a9 q2 t; u! nlunik 发表于 2009-8-14 19:20

$ Y8 C  u' Z0 B: B3 `6 v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%

) X& u5 h+ A9 v7 y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

8 }5 G( I( @8 W  Z/ B3 B! x% d2 k7 h
1 f& u+ _* C) U2 j  H; m1 s, QVariables Get More Competitive
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5 D; w& R, u% G5 L: L! H* z* |! M 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’t been this low since last fall.

9 k6 w' }5 }$ K/ B4 g, Z$ TMerix 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?”  
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).
9 p: h( Q) N+ ~# {3 v' I7 o
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
. h$ _6 I  N) ^$ d+ E6 ?; [3 e$ p
: ?2 `& i+ c% e: g Variable-rate mortgages are inching closer and closer to prime.
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6 o" Z. M' o9 U4 I5 yThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
4 Y+ W* f& [5 ^/ V' H, p/ v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：

% e8 H+ n0 ^* G$ H$ w3年浮动 P+0.10%
0 _6 m5 M9 |8 [5 t& U8 E0 [
5年浮动P+0.20%


! E9 O* W* o- h0 D+ M( n& I  A! e3 year  fix  3.39%

7 c- k8 X6 V! z9 @' P$ j1 t4 year  fix  3.85%

5 year  fix  3.99%

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呵呵，需要的朋友请点击右边广告 Email 联系。