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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) l( z- H, V2 V4 E, J7 ^: [( x( w利率新动向：
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3年浮动 P+0.15%
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) n0 H' l  g) e5 O: A$ l5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  4.09%
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( f. g4 a2 }' B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

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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' x- [0 }; B, U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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3 L/ z+ ^# e' a0 W+ Y; _: S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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  [- i1 n9 w: u# m 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.

) U) }! `" N2 \8 uMerix 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.
$ P# y( E2 l/ N7 f# H( @  bYou 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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8 f: G2 s  A& Z0 `* ~* P5 dWhat’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

. L, L) c& f4 V" m  ^" F 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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( R0 M* X5 Y$ J; d7 L, {6 r9 Kthank 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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1 W" w/ |9 N9 n% n7 @" }3年浮动 P+0.10%

3 {1 o" h; D2 K" I2 N5年浮动P+0.20%


3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%
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8 r* B& n& W% g. u呵呵，需要的朋友请点击右边广告 Email 联系。