利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

; O9 `6 b& ^# ^( J' ~利率新动向：

3 F. N  ~. z  U# y' }/ i+ e! g3年浮动 P+0.15%
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5年浮动P+0.30%


3 year  fix  3.39%
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* [9 c2 M; K  u' h6 X4 year  fix  3.85%

) u+ e6 s  a" R( d1 t6 {6 x0 ?. e5 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

* |5 E8 f4 e5 w

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

6 f8 v! M# s! H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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1 y3 B1 G& y0 v: z, C( R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!
9 Y+ [; A- u2 ~% u1 x0 cmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

' ^1 P. C9 h$ ~$ ^1 U6 t$ g Variable-rate mortgages are inching closer and closer to prime.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
You might ask yourself, “Why would I want a variable term under five years?”  
3 u9 P+ _  A  a9 eThe 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

& n3 B6 K9 |- Z" e2 ` Variable-rate mortgages are inching closer and closer to prime.

* Z( }8 o+ U4 X' xThis 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

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, v1 f+ g( `+ q. ]5 _& Othank 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%

5年浮动P+0.20%
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3 year  fix  3.39%
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5 U# j) w; Q  H; `$ z8 q# U/ R! Z. B4 year  fix  3.85%

5 year  fix  3.99%

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/ W' S4 t3 Q  P' u, F呵呵，需要的朋友请点击右边广告 Email 联系。