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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, \7 W5 M+ L- {; S& d2 d利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%

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& A! w! g8 B# h3 year  fix  3.39%
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6 ^- o: U4 P  W1 \! u+ k4 year  fix  3.85%
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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

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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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4 m" S# H( y2 Y. `8 U+ O6 c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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' g3 B. K0 l; S+ L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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/ |1 y% P$ M: \1 O# D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

6 V- A) K% f9 y7 |; N& K( I4 ?Variables Get More Competitive
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7 r/ v% A6 C! e, C Variable-rate mortgages are inching closer and closer to prime.
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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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7 V1 g5 N4 J- y# M. R* 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?”  
. k2 u0 p- ]. m3 }0 a+ k; D* pThe 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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0 y1 B! Q4 a, |$ h! I8 YWhat’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.
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9 H% f1 h1 w: ]This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
5 O  Q) @0 H0 m5 g! H3 P8 m$ F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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, r, C/ U1 p1 i% r3年浮动 P+0.10%

6 Y  q9 l! z. o7 s0 E$ S! \9 V: G5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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2 x8 O: @$ n) `9 N* W9 c7 R呵呵，需要的朋友请点击右边广告 Email 联系。