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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* u& v/ g% U: S利率新动向：
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* s" m/ ]! m6 D3 p' A5 O3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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4 year  fix  3.85%

# q1 W) A/ Y- r0 x& G$ V1 G5 year  fix  4.09%
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1 r2 ?4 c& f  r* Z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

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, J  L/ S7 L. E; 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。

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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3 k. _; g5 R3 x2 JVariables Get More Competitive
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- C8 A1 i4 }+ ]4 l7 L5 n1 e% _ 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’t been this low since last fall.
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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).

1 M( N. ^7 n6 |0 eWhat’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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0 \* [0 K6 A0 O3 L3 [ Variable-rate mortgages are inching closer and closer to prime.
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" m  t; Y/ F: Y7 oThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
5 Z* S$ Z& Z# d4 }4 Z年轻的心 发表于 2009-8-16 14:13

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1 g1 X+ e4 r' Athank 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%
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8 X' J" c! }1 E9 [5年浮动P+0.20%
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3 year  fix  3.39%
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" p% ~) w0 `2 o# U; n' r7 p- t4 year  fix  3.85%
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5 year  fix  3.99%
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