利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心 · 发表于 2009-8-14 14:11

本帖最后由年轻的心于 2009-8-14 15:14 编辑

利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%

3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  4.09%

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lunik · 发表于 2009-8-14 18:20

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 · 发表于 2009-8-14 21:19

本帖最后由年轻的心于 2009-8-14 22:22 编辑

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！: C6 }2 w0 y( E& t, m( Y4 {
lunik 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。

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%

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 · 发表于 2009-8-15 22:33

请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!

年轻的心 · 发表于 2009-8-16 13:13

请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
" G" b8 H9 X4 k1 _- hmeijuli66 发表于 2009-8-15 23:33

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’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.
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 · 发表于 2009-8-17 12:00

好消息！

meijuli66 · 发表于 2009-8-17 15:18

Variables Get More Competitive
* j% X g1 v ^' W! G- a0 J1 c0 F+ x4 K8 ^) m
Variable-rate mortgages are inching closer and closer to prime.- \- }: m* F. z& O. }* D

- l- a' A4 r4 i% x" y$ S4 d C7 @This week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’ ...4 T3 L F K* d
年轻的心发表于 2009-8-16 14:13

thank you very much!

meijuli66 · 发表于 2009-8-27 14:21

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 · 发表于 2009-9-3 07:15

利率新动向：
- P2 H6 Y1 D$ r* A; C$ h
. F, U9 v  X$ E8 L, s3年浮动 P+0.10%

5年浮动P+0.20%

3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%

呵呵，需要的朋友请点击右边广告 Email 联系。

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利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

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