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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) G5 G6 U9 W9 r+ e; t. f利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%

! v: n) ^3 H, t4 year  fix  3.85%

2 w+ `; R# q& z9 Z3 i) y5 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！
) B6 g% |$ p' |5 N5 q$ tlunik 发表于 2009-8-14 19:20

6 y- ]" b, T2 b+ D& [# |+ @+ K! ~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%

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

Variables Get More Competitive
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( ^# T, e& @4 w( i0 ?; J+ ] 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.

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?”  
* |- o6 o: u" ^$ X( R+ Y8 B& n0 mThe 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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& N6 h2 |$ i( uWhat’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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; s/ Y  Y; z9 D+ a2 J4 T 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’ ...
7 F" [* m, T7 L. u年轻的心 发表于 2009-8-16 14:13

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. ~2 E6 g* b6 Z9 U. b& Othank 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：

3年浮动 P+0.10%

+ l2 {4 U( U0 _7 U5年浮动P+0.20%

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  {- O( z  I4 e. ~* Q3 year  fix  3.39%
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4 year  fix  3.85%
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7 {- ]* O/ _) N7 s# F; s" \6 s7 r5 year  fix  3.99%
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+ |! d! {3 `# u; t' d( P, P呵呵，需要的朋友请点击右边广告 Email 联系。