利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

2 S' A% i1 R# I8 }利率新动向：

3年浮动 P+0.15%

# \0 l& t8 Z0 |5年浮动P+0.30%
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# F9 p2 i- k" G$ ]0 i3 `% P3 year  fix  3.39%
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4 year  fix  3.85%
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; T7 H$ Z% p/ G. o3 _1 {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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
$ [' |; u, p- A" }, D) {2 q; Llunik 发表于 2009-8-14 19:20

4 R5 g& u- [: M- w# j/ s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%

/ i8 h. r0 {* P9 X, h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!
( H+ i; P8 i3 l& `2 ]" gmeijuli66 发表于 2009-8-15 23:33

" F) A8 J" G* r% h9 p3 qVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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) P& L; X4 ^9 z7 Q% J  ^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.
7 v: S9 l5 M! I+ ?" FYou might ask yourself, “Why would I want a variable term under five years?”  
2 Q8 F' d" W6 iThe 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

Variable-rate mortgages are inching closer and closer to prime.

. f0 C& k( X6 X1 W6 qThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
7 v; w! w. L% y* c6 K/ y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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) V9 S0 ~& I, V7 x% u3年浮动 P+0.10%

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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. s0 B" c3 I9 _/ O- j呵呵，需要的朋友请点击右边广告 Email 联系。