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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利率新动向：
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9 ^7 Q( Q2 k: P6 K. T( ~- D  H3年浮动 P+0.15%
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5年浮动P+0.30%

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. K& s6 K1 ?1 a' Y3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  4.09%


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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！
8 c4 S: S0 M6 H7 X8 Flunik 发表于 2009-8-14 19:20

& q, V, Y8 U- 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。
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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%
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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!
. o7 n# \- L( e) \0 [meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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! {) Y" M* }. w& i" M2 p Variable-rate mortgages are inching closer and closer to prime.

8 D4 r: q- I$ W! b. QThis 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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% X5 L4 `; c& Q) 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.
3 M) ?) z' k+ o, @5 o1 V& |You might ask yourself, “Why would I want a variable term under five years?”  
& R! d3 k- q3 d2 d) g. J0 p8 l, `% x+ }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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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.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
( g) @' l9 N1 N% [/ o: y7 N年轻的心 发表于 2009-8-16 14:13

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：
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3年浮动 P+0.10%

  b1 w8 z) Y- Y; X8 h0 N5年浮动P+0.20%


3 year  fix  3.39%
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2 a: A2 N- t9 J* |! Z- d4 year  fix  3.85%

5 year  fix  3.99%
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! q0 b) S$ @" u" s呵呵，需要的朋友请点击右边广告 Email 联系。