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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) b# ?) n3 n! j) r8 Q$ r* K2 D( X; b利率新动向：

' j9 A6 t* _, e8 a3年浮动 P+0.15%
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5年浮动P+0.30%
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" S; R4 F! X) e0 S& M2 f3 year  fix  3.39%

( {$ V1 H  k  l8 q: b4 year  fix  3.85%
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: z4 V1 L1 \3 f* K: x0 z' `5 year  fix  4.09%
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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

  t6 I! s, t) U. b) p8 g9 ^8 B# H* J

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
9 w- ?( n( M" _. f( A+ W8 ?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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% y) e* [; ]) \, b4 K) 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%
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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!
meijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

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 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.
9 P- {7 j% b$ {  f+ V9 g  E5 EYou 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).

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

& M1 i2 Q3 k1 V6 A6 ]$ s Variable-rate mortgages are inching closer and closer to prime.

% X( r# P/ y: }0 }This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
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：

$ R" X5 e( H: c( T& i3年浮动 P+0.10%

$ R5 d; ~7 U* \0 m' D$ B5年浮动P+0.20%


1 P3 K& V1 E' A9 r  ~" ^$ A8 ~3 year  fix  3.39%
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2 g% m  T; p* w4 year  fix  3.85%
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0 l6 {7 F, v. d, N% {+ d2 e6 U5 year  fix  3.99%
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# _7 ?" m5 X& K$ b3 D8 Z: ]2 y8 r呵呵，需要的朋友请点击右边广告 Email 联系。