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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; u( `+ n; K  I8 P" R3年浮动 P+0.15%
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5年浮动P+0.30%


- E3 ?+ G. m9 H9 `3 year  fix  3.39%

$ N( Z! d; Q0 G2 o: r: i& n4 year  fix  3.85%
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5 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

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

; e  W" ?6 o+ o- h0 l5 E9 v% I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。

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%

3 a& v8 j/ k, ?# r" c1 \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!
6 I6 ~: M1 W! @# h6 `* Lmeijuli66 发表于 2009-8-15 23:33

( f; Z! }& v9 |Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

! A' N: M, M/ I% d0 U3 ZThis 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.
7 g$ I% n: ?- WYou 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).
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9 Z" \9 u2 I1 x8 Z9 E& yWhat’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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0 L7 p  W; B& A; m 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’ ...
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：

( n, v+ m5 R9 S9 H" G! o" ~3年浮动 P+0.10%

5年浮动P+0.20%


3 year  fix  3.39%
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4 year  fix  3.85%

! Z+ q$ ^0 I/ c" r3 F5 year  fix  3.99%



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, ]6 Z' g# U4 d5 Z. t, t- x2 P& z呵呵，需要的朋友请点击右边广告 Email 联系。