利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

+ |/ ^; s7 L/ j8 c: s+ P2 S利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%

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3 b  @! N" X( `, t4 U7 ?9 a3 year  fix  3.39%
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4 year  fix  3.85%

  T) r  {6 O( ?2 A0 K5 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

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2 i2 W1 A% }4 n$ j$ _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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  U6 S; R$ t6 Z* `5 U+ L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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Variables Get More Competitive
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4 B( m$ X  u; O2 F! i 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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- Z. j1 L1 A0 F9 M7 }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.
' M5 W& a1 u: D9 XYou might ask yourself, “Why would I want a variable term under five years?”  
# X( g( `/ \4 ?4 i$ G1 K* WThe 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).

  a2 W4 Z* ?9 Y. ]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

! W% T1 S* r$ E# o( g0 J: b- g& } 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’ ...
2 L  L5 ^3 L/ Y; g' l, y年轻的心 发表于 2009-8-16 14:13

: D8 D. J( x8 f3 W, c; Othank 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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3 b. x) ]2 \! U, V7 V+ v3年浮动 P+0.10%
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5年浮动P+0.20%
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$ c( N5 J% y* d( v5 V# q3 year  fix  3.39%

5 W8 f: x* ~0 y0 Q# S5 J; h. c4 year  fix  3.85%

5 year  fix  3.99%
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8 m. o# c7 N7 Z/ T- F7 g1 z) I呵呵，需要的朋友请点击右边广告 Email 联系。