利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

) G. B( ]/ x/ I/ j利率新动向：
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( Q6 |7 G# E* h1 g6 q$ }' r3年浮动 P+0.15%
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5年浮动P+0.30%

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/ o# h% L$ A) {  p2 u4 }  {- C3 K3 year  fix  3.39%
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! I5 g' X% l; P/ z2 t. U4 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

* \. H5 U1 e- }5 ?( w5 P; n

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
# I: L+ O: ~  t9 |6 l9 ulunik 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。

# T5 g0 W0 p5 g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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4 k3 H5 H( v  Z4 J$ ^4 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!
2 |: r. Y6 Y  _meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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0 w' K2 P3 j/ H" s) ]2 ]% @. N) h Variable-rate mortgages are inching closer and closer to prime.
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! n. Z8 [2 j# b- KThis 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.
+ Z. f' K  e1 Q( Y% pYou 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).

+ G; ^( D. P. Z/ [0 c; ^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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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

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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：

# z% X( K( ~8 _: d3年浮动 P+0.10%
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5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%
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/ \" J) i( j) b8 K0 L呵呵，需要的朋友请点击右边广告 Email 联系。