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：

3年浮动 P+0.15%

5年浮动P+0.30%

3 l4 j: n  j$ v4 A' X5 O1 ^1 |
3 year  fix  3.39%

4 year  fix  3.85%
  N( T8 g, q1 V8 m( F
5 year  fix  4.09%
6 E2 j- y9 {: H* J* M+ Y5 k) a8 p



/ I" b# M0 s4 R4 u1 Y( l
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

! j; Z6 ^, X2 [  R# @8 X* {4 X, s

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

$ ~$ S# V& G) l* r; k, `5 K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。

. ?4 S0 }0 d/ C/ r4 S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!
3 K9 v1 f$ X* z2 D0 f( }+ F  D8 {meijuli66 发表于 2009-8-15 23:33

. D7 c' D# i4 U1 e# e& v
Variables Get More Competitive

# L* j! G2 G1 e' p! E9 r Variable-rate mortgages are inching closer and closer to prime.
6 d7 k0 e9 \. t0 J$ ~) c+ s0 ?) R
/ i( c3 t, [: {$ B8 o- @This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

9 H' Q. E8 \+ ^; XMerix 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?”  
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).

2 w! V" r2 o2 R0 q3 @5 j4 i4 C; x  cWhat’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
/ A2 H. o/ e  O% I7 t
% a9 r' W' d; E7 F6 J7 Q 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’ ...
年轻的心 发表于 2009-8-16 14:13

- \* [  q5 \+ {$ @% Z1 I
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：
6 v( h/ v% b  R, d1 ^
  `) m: ?* T% |9 I* N3年浮动 P+0.10%
2 b! S9 P$ f) w. p( y1 W
5年浮动P+0.20%

/ q; o9 c3 z, Z% E) c7 d
3 year  fix  3.39%
, m- D  G3 `( j) C0 h1 a
4 year  fix  3.85%
1 _; T2 Q6 R7 A, `, l0 p
5 year  fix  3.99%
5 p( C) r& a5 c( T: E
/ V( O; @# G2 f! t& N7 [

) v( F3 e8 X$ y7 L( E

# H. g* B+ z) i  v) [# l' ?呵呵，需要的朋友请点击右边广告 Email 联系。