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%

6 r6 y  w  r4 N* |5年浮动P+0.30%


3 year  fix  3.39%

, f' p- D1 t  F7 v. e( H4 year  fix  3.85%

5 R9 O& B6 m; W0 l3 o# m! Q. L5 year  fix  4.09%

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, w4 o$ V4 ?* x- F) P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

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

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, e9 Q: X1 K; q" o( S# w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。

5 M" s  d1 T7 ~+ B: [" ?" {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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& f2 |# y' f6 b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!
; A7 m. A& m2 l( a- n- }( Kmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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  g- U5 r, P' P9 h! [ Variable-rate mortgages are inching closer and closer to prime.
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  x$ t" k3 ]* B  N4 Y, F) gThis 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 T/ C( ?+ p' _- i4 F  x1 u9 ~( J" IYou might ask yourself, “Why would I want a variable term under five years?”  
% U# Q5 _9 ^8 A1 C8 K, lThe 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).

5 z* h( L. q+ i* aWhat’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: k- h4 Q7 i: ^9 x' R 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’ ...
* q8 o. H9 F$ u年轻的心 发表于 2009-8-16 14:13

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7 y# s$ t1 D9 U) L  Y0 X7 x) Qthank 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：
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3年浮动 P+0.10%
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5年浮动P+0.20%
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! v# V, _, Y3 B. r/ F* ]. d3 year  fix  3.39%
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9 V+ Q! v- S3 ?4 year  fix  3.85%

5 year  fix  3.99%
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