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：

3年浮动 P+0.15%

5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%
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8 {: m! M, I! t/ ^: n8 |' T# ^. w4 ]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

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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

. D$ h* ]' [2 b( A  h/ F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%
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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!
3 r( d) u" K( q6 Hmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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6 _2 Q" v8 I' u Variable-rate mortgages are inching closer and closer to prime.

& I3 A/ x; t0 ]3 h5 H! DThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
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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.
$ A4 V# r8 l+ [9 O$ dYou 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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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

6 I  }: W6 }3 ^/ r Variable-rate mortgages are inching closer and closer to prime.
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, ?8 I, P1 {9 ?This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
  A9 ~$ \5 Y* [) s0 }& u, X# O6 {! W年轻的心 发表于 2009-8-16 14:13

: e# E! U5 g5 n! G3 p& Rthank 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：

3年浮动 P+0.10%

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# T# j3 H8 L; {1 |2 V3 year  fix  3.39%
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4 year  fix  3.85%
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$ a4 n2 v! G8 B/ E  B5 year  fix  3.99%
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' t4 Q. x9 K4 d% S; ]呵呵，需要的朋友请点击右边广告 Email 联系。