利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

8 a/ ~+ S7 n8 ~" e. @9 ?0 Q- W利率新动向：

; N$ \# g5 ~1 H$ o3 Y; V3年浮动 P+0.15%

( v  y" ], S5 p1 O5年浮动P+0.30%
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' j+ B' ?7 ~9 \" C3 year  fix  3.39%
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4 year  fix  3.85%

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！
lunik 发表于 2009-8-14 19:20

0 N/ x9 J" h) D& e+ [+ m  A: R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%

6 ?( u9 c% }- z" |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

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Variables Get More Competitive

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

$ j2 H" s) D; c2 ~. T7 DThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
4 u( `" L+ [, d0 @# iYou 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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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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" ~& |& h! m' m* }; r' mThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
8 x( ~( B, G4 q- l$ U7 X年轻的心 发表于 2009-8-16 14:13

! g. `$ E# N1 d0 Mthank 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：

3年浮动 P+0.10%

5年浮动P+0.20%

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3 year  fix  3.39%

; S3 e5 F5 q0 ~1 h6 ~) m/ E4 year  fix  3.85%
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5 year  fix  3.99%
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3 v+ k+ R+ ]( S! @呵呵，需要的朋友请点击右边广告 Email 联系。