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：

' T" P) O; @% Q& {% f3 ?3年浮动 P+0.15%

5年浮动P+0.30%

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3 year  fix  3.39%
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$ Y( I4 |5 m  ^' ?. _2 k/ Q) C4 year  fix  3.85%

' D: P( }8 K6 o2 @" \4 M5 year  fix  4.09%
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$ g' Q7 h# U3 ^. B% W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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
* P+ C- y* H( I3 |8 V1 `lunik 发表于 2009-8-14 19:20

. L4 k  R1 p1 L6 W1 W% 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。
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+ v' M6 q/ W4 z: F$ W0 p% \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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: Z: w& s9 K5 g  i/ `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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" [# h4 {/ ]+ e/ i8 `Variables Get More Competitive

" q* q5 |, v5 `; B; Q" P$ j Variable-rate mortgages are inching closer and closer to prime.

. g. e, ]5 p; {5 j2 tThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

3 s' H, l$ q* _  L) L5 fMerix 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.
You might ask yourself, “Why would I want a variable term under five years?”  
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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4 U7 r& {% E, `6 mWhat’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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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’ ...
年轻的心 发表于 2009-8-16 14:13

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/ W2 j3 p: A5 \3 r+ ythank 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：

* N, Z2 ~! Q) N( e) I3年浮动 P+0.10%

& p2 v( Y. m! k/ g4 R# U; A( H5年浮动P+0.20%


3 M) H8 S$ w' O3 K9 p( i9 S3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%
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