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：

5 G: s  _& Y! {$ `! O  M+ ~' `3年浮动 P+0.15%
5 G: R( ?: L8 E/ t7 `  [5 u' i: L4 x
5年浮动P+0.30%
: F5 X0 m% R5 W5 s# F

9 U1 G% j9 Y. F7 l  y6 ^9 P3 year  fix  3.39%
' @  O" K; }9 C& J2 A3 z5 a. X
7 m  g% _5 r! ]& Z) u3 p4 year  fix  3.85%
$ e" C0 t$ P9 P0 c
2 P+ k4 K- C4 ~3 _( A  t! D5 year  fix  4.09%

7 S$ ~7 n3 y) t' }: i
3 i; }5 R+ \: A

) c5 Z# ]; ^( k% f: r% s
1 }) ^, O: t* Z' V  h, v/ L9 O2 T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

  I0 n- `" a- i; B7 T" R8 s8 M

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
) O3 b7 k1 q3 g- F8 J3 }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。
7 T* Z! w8 d; a: a0 c5 p0 G. p2 O
! o& e6 ?% g% W, Y5 j( Q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 {1 w% C% r* w! c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

  m4 J8 o* k) v' q. L2 }- e
Variables Get More Competitive
% D1 F- B* x- Q# m5 e' q
2 `2 Q! S: Q& l. G+ z4 b7 d% o Variable-rate mortgages are inching closer and closer to prime.
. J! p4 i1 x8 [; D. d
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

2 m/ l& W5 a) A& i5 Y* BMerix 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.
  ]: _  h# r& N3 X: L$ wYou 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).

' v: N. P7 P- I' P+ VWhat’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.
1 ?& O: A# N4 v6 g- H
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
年轻的心 发表于 2009-8-16 14:13

- c3 i) n2 L% o+ Y
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：
# C2 y0 f( o! \" A2 L1 u0 Q+ I
3年浮动 P+0.10%

, U) ?" ?6 @1 r' t: E. v5年浮动P+0.20%

, I6 \& J( G1 F7 V' Z+ }
3 year  fix  3.39%

4 year  fix  3.85%

; X! `# ]& s0 p# B5 year  fix  3.99%

0 H+ {7 S8 f5 R% f4 K1 m% l9 L4 M


; D5 C; ~+ m) ~9 m4 m, X
呵呵，需要的朋友请点击右边广告 Email 联系。