利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

+ m0 c- y0 F) k/ d; q5 u利率新动向：

3年浮动 P+0.15%

8 c: @6 v1 G$ ^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%
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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！
% k3 _" g' ]8 q8 X. k5 T  f2 Vlunik 发表于 2009-8-14 19:20

1 y5 V# F2 B6 n) H' t% A  V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%
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( H9 d6 t! u- V" @- @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!
& w- u6 v4 U8 {, m6 w5 o$ Tmeijuli66 发表于 2009-8-15 23:33

" u# h% w# q0 a) |& G3 t+ S9 z# R  QVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

: N: N( x/ e" u+ W4 c/ Z/ ?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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4 {7 ~) X) g5 U0 B  x' K* k5 y7 QMerix 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).

What’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.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
% e3 f# t6 l9 ?, Z# r年轻的心 发表于 2009-8-16 14:13

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: D; i: |8 \! t( R0 {# ~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：

! M' P. }- K0 @6 \- A5 n* C+ E* v3 z3年浮动 P+0.10%

; N- v+ v# b$ E2 y8 m' l5年浮动P+0.20%
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8 z( a: T& [  h! f9 O- z, r3 year  fix  3.39%

: }; B/ ]- s+ d* U- m7 g4 year  fix  3.85%
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5 o* B+ _* y  v5 year  fix  3.99%


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2 g* z8 }0 l& x7 ]5 ~! x6 {. H呵呵，需要的朋友请点击右边广告 Email 联系。