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：
# m# h0 J' X- k2 I3 i9 i- h
( I4 H' N; ~9 t; E/ T3 n. D% Z3年浮动 P+0.15%
. a* O" |. P* x/ D3 Z, t
3 E: w" k' Q1 B0 ^% O! u7 i5年浮动P+0.30%
' c& D2 V6 Q7 k
, R; q/ a% W3 U2 a
1 `3 {, r3 a, _+ r6 G3 year  fix  3.39%
: N/ K+ ^$ ^' ^
. A/ b" j! x1 m  v! s# v6 C9 a4 year  fix  3.85%

1 N6 [+ {! k: o9 v# X' c1 C; N7 \5 year  fix  4.09%



2 V- g" c3 w2 C; A2 A9 q
: C% O' m0 L4 e5 Z
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

9 I6 k2 f4 s8 h/ E

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

6 u: V; ]# f# h& n* ]% Q0 d
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。

, x# i1 w# @3 A  ^  C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!
. |7 I  O' |4 _. V) j5 u& |  {meijuli66 发表于 2009-8-15 23:33

8 R6 w4 Y% c0 l8 S2 d: g1 N7 k/ x
, H5 E! D0 Y" \" Y" g9 UVariables Get More Competitive

3 U, Q, a% y3 o$ O Variable-rate mortgages are inching closer and closer to prime.

- f, E$ }8 \( H; g3 BThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
/ ^9 a0 y: F. ?5 a
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.
  y$ J3 g3 ]5 q# O* IYou might ask yourself, “Why would I want a variable term under five years?”  
  S; D9 N0 h5 y( B3 ]6 P/ bThe 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).
* Q1 q( b( _1 ]5 i; U0 m
: o9 D$ S) C* HWhat’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
* X' E3 a! j' k) Q
4 ~& o  v$ P0 a$ v8 f" R Variable-rate mortgages are inching closer and closer to prime.

; j+ i$ [5 q4 C; H; y6 I6 MThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
# M% K6 u1 F, J8 ]& g* R- ?# [5 c5 P' {年轻的心 发表于 2009-8-16 14:13

; w9 X+ }  W$ O% L% l& D
+ A! G/ ^* x0 O% d" Y1 S  uthank 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：
- U* {" `- Z  f8 I
3年浮动 P+0.10%

- A/ I% F4 x9 ?5年浮动P+0.20%


7 n: y3 a9 l+ r. ~* |3 year  fix  3.39%
% B9 k8 y; ^# h' W7 q7 S! ^
  |+ a& c' v+ f$ H4 year  fix  3.85%
' j6 g0 d# h# |! z0 k
5 year  fix  3.99%

1 ~2 ~! Z" D8 h9 U2 D

; |. r3 \( d% q* Q+ x9 B
; i# P* f# m1 V- P3 _
呵呵，需要的朋友请点击右边广告 Email 联系。