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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利率新动向：
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" T0 v, V# j2 s; {; G- M3年浮动 P+0.15%

5年浮动P+0.30%

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. `( T  G: @7 q3 year  fix  3.39%
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+ E" {0 h% J/ ?$ a1 H+ `4 year  fix  3.85%

5 year  fix  4.09%
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. O3 y$ A" b& F" b0 ~# a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

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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！
lunik 发表于 2009-8-14 19:20

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) \" F' U% D% L2 Y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。

3 C; w2 ?; \8 N1 y; @) I4 R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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& k  H$ E6 l; Z+ e8 J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.

5 k) o8 _8 d4 H9 T' @0 C3 KThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

) P7 T) e/ l$ e/ H; P* r1 F! }$ |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.
. Q! }$ u/ V( \! N' VYou might ask yourself, “Why would I want a variable term under five years?”  
! T2 a6 |; o3 f* M0 ~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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- S2 C. m0 @6 B" n, E4 {' WWhat’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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4 r" _: n. m) c% ? Variable-rate mortgages are inching closer and closer to prime.
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2 M: `" l2 `7 sThis 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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. B3 k) q: f9 `4 f  dthank 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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: V! q# d) ]& c7 [$ a7 @* F+ e3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%

% S! o3 \) h& G; e. _$ \0 P4 year  fix  3.85%

5 year  fix  3.99%


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