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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利率新动向：
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3年浮动 P+0.15%
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8 t) a7 p% _% I# ~5年浮动P+0.30%

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3 year  fix  3.39%
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2 U# r8 ]! E" d8 j+ W9 P4 year  fix  3.85%
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7 \6 @6 D+ r+ T' j0 O/ y5 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

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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！
lunik 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。
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9 d  q1 w; S8 Y# i% J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

9 `8 j: Y7 F; O5 {2 P# U+ YVariables Get More Competitive

5 W$ s7 J9 N. r5 Z% ~ Variable-rate mortgages are inching closer and closer to prime.
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$ Z$ d1 l9 r: v8 |' _; xThis 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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6 K! s3 D4 M6 w$ O9 MMerix 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.
4 j% B, g: S% s# m6 kYou might ask yourself, “Why would I want a variable term under five years?”  
" D- s2 x/ D1 j% t& F) J7 c  NThe 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).

3 z( Q! P7 A4 N/ DWhat’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

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’ ...
& g' c& L  ^! R" m- A年轻的心 发表于 2009-8-16 14:13

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6 ~& j' C& Y; H& U( Nthank 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%

! z) f/ l, G& Q7 {4 year  fix  3.85%
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5 year  fix  3.99%
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2 J8 t3 _- \, f8 n# \/ f$ b2 x呵呵，需要的朋友请点击右边广告 Email 联系。