利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
: l" p" j- |0 x( A
3年浮动 P+0.15%
( c: p% ?( d1 F+ c, T0 U
- l# M7 \  Y" i- D- c- y& U) t5年浮动P+0.30%
4 F" i5 e( ^8 w. E# K$ j( j

7 X1 \$ h3 f: P9 i' w3 year  fix  3.39%

' b: `( K- ~% n* K3 h* Y3 T4 year  fix  3.85%
) X, N: ?0 J0 M# Y' W$ K% X3 w
7 }! O3 Q6 b7 X& N* `; C5 year  fix  4.09%
: z/ y6 v1 k/ D* l! e& p1 Z! R  ?


: v4 M+ z+ M# s1 Z
" @1 q8 X$ J+ I6 H
, m- E* L" D* r2 q; p9 L- C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

; l" ?+ G. j3 N! T

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

0 L$ X& W' L# j% M7 n* B0 X0 _
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。

& C, |: A7 v: S; h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%
* }- K# G! J5 ?
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!
; n% d3 U0 n7 Z- f: ~7 L, s) {' Smeijuli66 发表于 2009-8-15 23:33

$ u9 D4 L6 a3 w5 O1 h& A- |: @
Variables Get More Competitive
% s* Z) e, Z! d8 P1 w7 I$ N
+ ^9 ]4 _' ~$ y1 m) m) f; R Variable-rate mortgages are inching closer and closer to prime.
* [: t7 f8 K6 j) A6 r
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

/ D% z$ R; a. |/ k, n; x" KMerix 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.
7 G' e) L; K/ V& y1 K+ ~You might ask yourself, “Why would I want a variable term under five years?”  
" |% G1 ]5 g+ lThe 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
; d* k" {* Z' ]; n, O
' y% j3 A- I# Q: g Variable-rate mortgages are inching closer and closer to prime.
: G4 l$ r& B" j
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

" _7 W# h0 q# J( W8 d8 ?

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：
) o+ G6 Q' W; B  M6 k; H! T$ L; m
+ a2 E8 T, i+ \' M" e  W7 t3年浮动 P+0.10%

1 J- v5 w& e$ p/ g2 Q9 v5年浮动P+0.20%

1 Q. T! c& W! e* l' j; |! E! W
- B5 l& @1 _- @3 year  fix  3.39%

% H8 q/ V1 F0 W- V3 w6 y4 year  fix  3.85%

) O& A( [) r6 T, H+ `5 S5 K5 year  fix  3.99%
- J7 k+ Z7 ~% a5 O3 `5 A

" S0 J$ I* R9 J% |% Y5 L

4 j, c! S8 F+ z) g1 `. Z; b
呵呵，需要的朋友请点击右边广告 Email 联系。