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%
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' h( O. \" d8 |: I) s8 _8 u+ o$ k- h5年浮动P+0.30%


3 year  fix  3.39%
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2 F( w0 `: a6 P4 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

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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

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。
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) V1 r7 q; S0 ]7 S/ v2 a5 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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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!
, t( E! ?" d- F1 Nmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

( O6 {0 b3 c# K5 V# aThis 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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- b! b4 b. I  P3 p: n' m2 @; b1 @  v7 oMerix 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?”  
6 q& D- n" [' J: e8 h' d+ oThe 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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6 Q% M7 @+ d. d, R& Q( ^9 ?7 XWhat’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

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’ ...
3 }% {" r( O# S! O7 ~年轻的心 发表于 2009-8-16 14:13

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' I$ V, O0 u% m% x+ b* d; 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：
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3年浮动 P+0.10%

3 g1 H! t4 J5 g# A. g* t5年浮动P+0.20%

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" C: {$ p" J: B  I4 t# p8 I3 year  fix  3.39%

4 o0 e, l1 p0 e3 n2 T4 year  fix  3.85%

' Y0 D5 B4 G: p' m' E1 S5 year  fix  3.99%


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1 @) `) a8 u4 o4 A5 S8 s呵呵，需要的朋友请点击右边广告 Email 联系。