利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

6 e& f5 c# w* M& s( M利率新动向：

3年浮动 P+0.15%
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3 c# {! a& T  h6 D! U5年浮动P+0.30%


8 o7 V; E5 A* i. @) T3 year  fix  3.39%

4 year  fix  3.85%

( L2 c3 \, ~3 _( g5 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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
# v' c( f- t; w8 H0 c( P8 olunik 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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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%

2 c0 W7 q7 [: u  q9 |) k% M$ E  M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

! g9 n7 [( N( B. U2 \Variables Get More Competitive
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+ C8 R2 n" R: T1 b+ T% @5 E) B 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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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.
  Q4 |3 ?+ X* x0 }You might ask yourself, “Why would I want a variable term under five years?”  
. b0 T! N0 z8 x: H+ ?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).

7 C: G% A# e8 s+ T0 S, AWhat’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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! u( I: y+ h9 ~- |* |  S 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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; f# \( o1 n  c' ~5 qthank 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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) O' Z( s% Y! o  j0 L* r3年浮动 P+0.10%

/ t- {% W1 R2 j5年浮动P+0.20%


; b7 {2 C8 }9 u8 ^$ a- b  \$ K7 ?3 year  fix  3.39%
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4 year  fix  3.85%
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/ p6 x3 A5 K+ J9 f5 year  fix  3.99%
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4 Y5 ]& r1 Y; U, L呵呵，需要的朋友请点击右边广告 Email 联系。