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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9 b' B0 s6 i$ j$ V4 i利率新动向：

- c, e4 F, Q5 F- l3年浮动 P+0.15%
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2 F! n+ a1 \# K9 Z* g5年浮动P+0.30%

! P, O8 k1 o' M7 f4 \% ~
9 R3 Z4 _% }9 v3 year  fix  3.39%
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4 year  fix  3.85%

# M3 c/ T3 N# g1 s) V2 {$ U8 Q5 year  fix  4.09%
+ C- a. X; H9 x7 z7 V2 z  a9 `6 x
* ^% W' b% |2 H: F8 l' R3 o5 g



9 L4 v$ f. e5 [1 s5 |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

8 d2 n6 `0 x5 h* k; @& E8 a8 P1 Y

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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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。

8 o# C# [3 c% F. ?+ f% e7 G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

" R2 s0 O' a( e, i  wVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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7 B5 G! h$ F8 b( m  {* vThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

3 X9 O) ?$ b& y" R6 C6 L& FMerix 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.
9 Z! B/ B* W& `# r* a  HYou might ask yourself, “Why would I want a variable term under five years?”  
# y) \7 S/ r# w- W! }6 j/ j. JThe 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
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- i! F0 P$ g6 K" q5 q8 s5 V Variable-rate mortgages are inching closer and closer to prime.

  \! I& ~( H0 e' bThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
( [) `! p+ x, ?. u. S( F$ D6 Y5 G年轻的心 发表于 2009-8-16 14:13

: C0 ~) U" s- ^& Z! P, Zthank 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%

5年浮动P+0.20%
; E% ?: X- D% a$ Z: ]. P
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! [6 u: L7 s- p6 F3 u3 year  fix  3.39%

4 year  fix  3.85%
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6 E7 R1 a5 I* f5 year  fix  3.99%



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