利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

3 s' r1 r! `5 q4 a  q利率新动向：
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3年浮动 P+0.15%
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5年浮动P+0.30%
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3 year  fix  3.39%

! x# V  z$ W0 K4 year  fix  3.85%

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

' S' v% W. S. b0 s- {9 A( i4 O5 i

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
7 Z- Z3 h' z( l- Ylunik 发表于 2009-8-14 19:20

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。

& r( R5 B6 m4 B* w2 O& {! {+ h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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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!
' ^# _: W5 U* [5 o) |9 w9 ameijuli66 发表于 2009-8-15 23:33

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. b/ b- _9 o+ T1 d, H Variable-rate mortgages are inching closer and closer to prime.
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  z7 l& m( g! g" H) n4 zThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

! x0 d! J7 l/ J1 A' A0 `' ]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.
- @8 A  C' R% Q4 |: L# e) yYou 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).
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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
! {3 Y& y, h% w0 ?
/ j$ T/ L4 C/ }, f+ e 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’ ...
* R8 U' l( d/ @/ u% ~年轻的心 发表于 2009-8-16 14:13

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! m' a7 V( d) J5 {, e6 Rthank 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年浮动 P+0.10%
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+ G2 Q6 q+ a! ^9 D  Y5年浮动P+0.20%
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! k+ [9 [* Q( H8 S5 e9 n3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%

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- ?' k: l- E8 P& Y6 Z% ]呵呵，需要的朋友请点击右边广告 Email 联系。