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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) m: m3 O4 i7 V- r$ g利率新动向：

$ ]! u" j) t2 q2 o( g) g# D3年浮动 P+0.15%

5年浮动P+0.30%
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" M2 \! ^3 Z: x2 D8 s; U# a3 year  fix  3.39%

) e1 L4 d5 Q4 M& u( e4 year  fix  3.85%

5 year  fix  4.09%
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2 s4 d- C8 S1 W! F& s  D' h/ P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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
! x: v2 e9 y; Q3 X; [! ?& vlunik 发表于 2009-8-14 19:20

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2 C5 n6 R+ \3 p% C" b& }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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% i* z5 b8 w+ [; s8 q; |# f& l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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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!
2 m% r4 ^; ~& h7 ]. Zmeijuli66 发表于 2009-8-15 23:33

- i" d0 F7 a4 m% F2 i" L+ I. NVariables Get More Competitive

- J0 p' M$ h( _6 b  Y) R 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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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.
2 B8 c9 o2 o8 ~% XYou might ask yourself, “Why would I want a variable term under five years?”  
1 [8 ~" r+ p+ A; t% D/ E4 |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).
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1 \" Z- }& I/ @, a9 X8 LWhat’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

+ Q8 q8 e* p; }" H' ]4 W3 j; W 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’ ...
# p$ l! a! |% l! Q4 h* L# J4 g年轻的心 发表于 2009-8-16 14:13

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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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, N$ `# t, M8 O# y3年浮动 P+0.10%
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% C$ v7 w( b6 ^3 w* {- N. p2 G; _5年浮动P+0.20%
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+ r+ j0 `' U) }3 Q  N& |3 P3 year  fix  3.39%
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4 year  fix  3.85%

+ y. r0 V+ p" C4 r. C& S5 year  fix  3.99%
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