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：
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3年浮动 P+0.15%
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+ U9 Z6 M5 i% J* v; I5年浮动P+0.30%


6 d1 O5 _+ q4 z3 A5 m3 ]/ _' w+ n4 ~3 year  fix  3.39%

/ P; v, c( ]9 t. B3 C4 year  fix  3.85%

5 year  fix  4.09%
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8 q6 X( o6 n* `: a7 d) E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

+ ^/ A! S3 C- l9 t9 L! I

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
( b% d, c1 N* d0 N: G9 a$ Klunik 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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1 x" b3 G7 y4 M6 X4 ]1 k$ w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%

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.
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8 F9 V5 ~, }; g3 L0 d5 B% L! R' TThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
0 I( w. P- L& {/ |$ Y. d3 E! G' u. gYou might ask yourself, “Why would I want a variable term under five years?”  
/ q9 z! F- D' E9 ?! F/ bThe 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).

3 p  z5 S! @" I( _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.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
/ g1 E+ X3 b' Z2 V4 X! R$ A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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  i3 e; O. S2 U; Y/ o3年浮动 P+0.10%

5年浮动P+0.20%


  e2 k6 M- H) s6 L8 e* M' \3 year  fix  3.39%

9 t' w( v7 p: }1 ]8 ]# C* ]9 o- K4 year  fix  3.85%

" y! s3 a) c9 A5 {4 J5 year  fix  3.99%
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