利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：

3年浮动 P+0.15%

+ p" y, I8 o: H" {" R5 R9 ^5年浮动P+0.30%

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3 year  fix  3.39%
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4 year  fix  3.85%

* c* G' K3 k0 s3 i5 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

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. }- p  q% X) w1 G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%

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

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, A2 N0 K4 w5 Y4 ~Variables Get More Competitive

, d# s/ ~6 Y- b 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’t been this low since last fall.
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/ j, @3 l9 ^6 K: \- NMerix 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?”  
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).

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

Variable-rate mortgages are inching closer and closer to prime.
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+ H& u- s* _' rThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
# f4 S8 c. w* S. ~4 V4 r" s年轻的心 发表于 2009-8-16 14:13

' u& y5 k& j+ k/ Q5 Athank 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%

. z2 r1 C3 G, m. t3 ^5年浮动P+0.20%


3 year  fix  3.39%
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6 D4 y$ Q8 Q' ~5 _4 |4 year  fix  3.85%
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, _6 ?- z& O' Y+ }5 year  fix  3.99%
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7 |6 v1 A) j) l$ }! J3 v' _2 U" p5 ]呵呵，需要的朋友请点击右边广告 Email 联系。