利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

8 z7 R7 b) x) \% d2 i0 v利率新动向：
( d( e- N' J- ]) B1 Q
3年浮动 P+0.15%

7 j2 L' l) b9 @9 [  ]. \5年浮动P+0.30%

8 ?9 B8 G  C. w2 K. c% H
3 year  fix  3.39%
7 P2 w. D% F$ A4 @- A8 B
  r4 F- z0 r; }# Z" [! x- d4 year  fix  3.85%

5 year  fix  4.09%

( A2 Q' v1 Z  ~& w0 K) ?- k: [$ E
5 w: j' ~& Z) f3 M* u
: G: @! C$ b, A7 B$ J1 q  y' f

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！
lunik 发表于 2009-8-14 19:20

  X5 x& U$ D4 S3 e" 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%

# }9 ^. w" Q6 x3 R6 k* q  i  W) t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

. I# m8 W% Z: ?% D2 ?* C8 @/ t" {8 `
Variables Get More Competitive

+ J# t! O) M# X5 T9 U) { Variable-rate mortgages are inching closer and closer to prime.
% I8 e, Y( y+ }1 X
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 G! L/ ~. P; j7 q* \3 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.
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).

* ]3 V$ f( {) X$ O) JWhat’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
7 R- D# u# s1 c3 Z: {. F
& T) ]; }" [# d, b3 W' \" ] Variable-rate mortgages are inching closer and closer to prime.
. c7 M$ m/ v) Y* @' a3 e9 U
" O0 F. F+ e2 ?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

" q! o9 g2 V' j% A- u
6 V4 e" w. X, B7 h4 `1 ^0 ]* K4 ?  Uthank 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：

4 X- u( z! R, ?/ t( x: u3年浮动 P+0.10%

5年浮动P+0.20%
) ~% m/ W7 Q. C& t- b

3 year  fix  3.39%

4 year  fix  3.85%
) c6 z! q+ X  @* o$ O3 a
5 year  fix  3.99%
* b/ b* Y+ X9 I8 p+ N
* ?4 w% b; z# T: W( G

5 {8 R( o+ P! n: s* F$ t

呵呵，需要的朋友请点击右边广告 Email 联系。