利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

! K! |8 U' L: Z# V9 y- z利率新动向：

; l6 e  I" O5 H, X- E- T6 ?: @3年浮动 P+0.15%
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0 k2 }6 ]1 @" u9 B5年浮动P+0.30%
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6 k; Z* I* E& ^1 r/ ]3 year  fix  3.39%

% @/ s6 p0 I  X2 v, E; q4 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！
4 L1 ~, d  o1 K& }* K$ f- w7 `lunik 发表于 2009-8-14 19:20

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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%
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! w: j1 s& J* j8 H5 Y' 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

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Variables Get More Competitive

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.

4 _& I0 w/ I$ C8 m, S! _  ]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?”  
2 ^% `5 h4 x0 t; U# R9 l+ Z7 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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: B) {+ Y% Y0 ~* C$ \7 s3 |4 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

% x, I  a& x1 r. K 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’ ...
( I3 w8 ?% b- z4 e" d7 Y) E; N年轻的心 发表于 2009-8-16 14:13

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%
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) f. k& p7 ?, u6 `5年浮动P+0.20%
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3 year  fix  3.39%

5 o$ r8 P  h; W+ l4 i& c" f+ g4 year  fix  3.85%
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! R4 e; k. U% r  C5 year  fix  3.99%
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2 f5 ^  ]2 |# y5 ]: r0 _呵呵，需要的朋友请点击右边广告 Email 联系。