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%

, x& P8 l9 z% p. ~# \: }5年浮动P+0.30%

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  n( ]" e6 h5 _& _, g  ?. [3 year  fix  3.39%
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1 O2 v) y) w* [/ X8 Z. K* R9 S$ J8 i4 year  fix  3.85%

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！
% v8 b5 ?0 C9 p; Jlunik 发表于 2009-8-14 19:20

. C2 c  d9 |/ p. w' B0 k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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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%

1 R: y# p$ x/ _  O& k) S7 L& z1 f4 O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!
meijuli66 发表于 2009-8-15 23:33

" n7 V1 G* W7 u  m; GVariables Get More Competitive
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- Y* a* j' G. w5 |8 y$ A- P4 F' ] Variable-rate mortgages are inching closer and closer to prime.
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0 f+ K" h$ c* D' u0 WThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

: r3 g" A! L+ ZMerix 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.
6 t' z" f7 g: {% L* a8 x3 f  xYou might ask yourself, “Why would I want a variable term under five years?”  
& K: l5 w+ W! j) N- ~' \  sThe 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
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Variable-rate mortgages are inching closer and closer to prime.
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& k% l0 b2 D9 @: [0 \% V9 XThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
9 n; ^( s8 _8 {; X% G  ^( O1 f" F* R年轻的心 发表于 2009-8-16 14:13

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) Q% ]  [- {$ [0 G0 h$ O, g/ d; `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：
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3年浮动 P+0.10%

2 o" T% e& ?7 O6 i5年浮动P+0.20%


3 year  fix  3.39%
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; ~; n& f- T# S5 e+ [% ?4 year  fix  3.85%
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5 year  fix  3.99%


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& |, B+ ?  W) _* y  s呵呵，需要的朋友请点击右边广告 Email 联系。