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：

3年浮动 P+0.15%
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6 |6 F, m) `/ U; c1 ^# D. z/ y5年浮动P+0.30%
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3 year  fix  3.39%

! P$ [: g6 f* `7 m# q4 year  fix  3.85%

' Z3 ]7 W) U( G+ f5 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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
0 [& L, C. X; Tlunik 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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* Q0 e0 O, v! e' J6 ^1 J6 Y! T7 a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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# j& P2 A6 @4 P* ^' E& m9 g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!
( i: S* ~" ^3 Imeijuli66 发表于 2009-8-15 23:33

) X4 u: s( H; U% kVariables Get More Competitive

5 B: |1 Z7 l0 E/ {4 t/ q Variable-rate mortgages are inching closer and closer to prime.
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3 R3 E5 L( \" p5 j2 ^4 C3 s6 FThis 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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3 k- ]5 j# ~8 h$ H# ]% D% d) oMerix 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.
: ^, O+ B% ^" l# }7 G4 KYou might ask yourself, “Why would I want a variable term under five years?”  
  |6 i& O( ^: ~0 jThe 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).

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
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( V. b8 i5 l8 l7 p Variable-rate mortgages are inching closer and closer to prime.

  n7 f" c9 F0 G! S5 J/ ?& |& ]% t7 rThis 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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% @9 z6 E, I/ @. v: ethank 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%

' B/ M8 {* r& x5 a: j- x5 A% D5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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& |: w: s- V: L4 [4 d" j7 y, e呵呵，需要的朋友请点击右边广告 Email 联系。