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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  z  g8 l4 N3 V7 g" \利率新动向：

3年浮动 P+0.15%
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; b  m: Q& q/ V5年浮动P+0.30%
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6 N6 v3 |# D0 b3 [  z3 V3 G8 c3 year  fix  3.39%
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4 year  fix  3.85%
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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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
5 O- X4 Z+ W0 i6 C+ ~3 A; flunik 发表于 2009-8-14 19:20

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- E7 R: Y6 c" S) D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。

/ x' R7 y# d0 F# ]: q" h) w5 i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!
! y1 i- y' [' v) t. b+ Hmeijuli66 发表于 2009-8-15 23:33

Variables 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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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.
You might ask yourself, “Why would I want a variable term under five years?”  
9 |0 e5 Q3 u  J5 Q6 W4 PThe 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).

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

+ _; a( C# p* K# O* ^5 v$ r Variable-rate mortgages are inching closer and closer to prime.
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( S: U' \+ A: v- l+ n. KThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
# @' h# k$ l3 B; I0 z, g0 X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 d; c7 A+ w" v0 N+ y& ?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%

/ B! N9 q: K5 K2 e0 v% y6 ]4 year  fix  3.85%
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5 year  fix  3.99%



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; x, S/ K, g" }! m  u呵呵，需要的朋友请点击右边广告 Email 联系。