利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

8 U% g, G4 \2 A利率新动向：
: N+ U" ~: Q& H% y4 d7 Y9 }
3年浮动 P+0.15%

& V, H/ r+ _/ i7 Y0 t( R5年浮动P+0.30%
# T7 S' e: N% l- ^3 \
% |8 _6 J* L8 R7 u
* q) S; U$ j7 J/ W6 p1 w+ ]3 year  fix  3.39%

4 year  fix  3.85%
# J$ B5 B: p( o0 b  o
5 year  fix  4.09%
9 r  K2 j* }1 ^, N. X
) k5 c3 X5 B0 n+ @
( @$ T8 @( S. r  a


5 F; O- Y1 I* [& T( O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

, f+ y2 V+ e( U% M

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

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%
# g% n5 h5 @( A/ Y2 R& s
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!
0 _  i% a  O0 b$ R7 Nmeijuli66 发表于 2009-8-15 23:33

! v' f% a3 u7 o& d( s
9 \4 I) G7 T6 u3 Y) NVariables Get More Competitive

9 a% h6 `! j$ \ 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.
9 ~) w% B7 F1 N1 q8 U. [- G
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.
* y% M! `3 r3 k# r; F) N8 r5 e% pYou might ask yourself, “Why would I want a variable term under five years?”  
' P* `7 N- b" ]( e1 `/ W) H- wThe 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
8 x  z; y, g% ^( l
7 f& ?2 w9 g1 d- { Variable-rate mortgages are inching closer and closer to prime.
0 e/ n' _4 D* R( q; h; x/ b
8 j! j: C' i) wThis 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

+ z4 Y0 h( r( s- A8 r

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：

. i" Q1 v. Y' T0 z3年浮动 P+0.10%

& R* b! [0 e) r, {, h% `( x5 K8 Q# t5年浮动P+0.20%
2 X9 Y' {4 d8 j" g2 V
% e+ g5 f" l' e1 E+ Q
3 year  fix  3.39%

4 year  fix  3.85%

: U+ n+ F* ]( W. E, a5 year  fix  3.99%



+ J- ~) x9 r8 Q
9 I# x" t3 t. @
呵呵，需要的朋友请点击右边广告 Email 联系。