利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
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' X7 [% r; ~0 U1 P3年浮动 P+0.15%
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9 y! S) K+ c6 N2 l& x; S$ |& r: `  Q0 U5年浮动P+0.30%
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3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  4.09%
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. h' {4 d" Z7 V$ q! s: f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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
. _- |* Q* O1 H4 z) elunik 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。

* n  ~6 d7 N  |$ ~) C3 Q; D+ 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%

7 H. P, m+ j6 t  z6 Z1 b+ R- X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!
3 [' h7 H. S! hmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

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.

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?”  
8 ]9 V# ^* c& T$ {5 T$ l# AThe 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
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5 v, k" z2 [9 O9 q) F  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’ ...
+ t' H" K/ @; B5 a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：
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: e+ _/ B% _( \2 F& c3 y8 C3年浮动 P+0.10%

/ p$ f" y; e% o8 v/ s6 j1 l5年浮动P+0.20%
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3 year  fix  3.39%

9 x$ l& T/ m# ?6 ^4 year  fix  3.85%

3 e$ T# F/ v6 h9 v) @0 H  c' j+ |4 T5 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。