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：
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! {. S  |' [  y% {3年浮动 P+0.15%
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& h- v* P* F, @7 m: f, u6 M/ d5年浮动P+0.30%
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3 F9 ?; A* H4 c7 q3 year  fix  3.39%
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8 j0 C6 K3 _8 B3 U! ?! j& ]) U4 year  fix  3.85%

; {. h: K6 k2 w! A0 W. A5 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

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

, Z- w, J% M5 Z5 S1 @6 V8 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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! f0 T0 J7 q" _! a/ l) P6 _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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) |9 P* P, M) }: P' l4 i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!
7 {1 @5 a9 P2 `3 smeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

' G4 X# d+ y: D, h. KThis 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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* n4 c3 o/ A( X2 {# _" LMerix 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.
9 I9 M. [0 M, _) f! H$ CYou might ask yourself, “Why would I want a variable term under five years?”  
: e. d# _" E( T9 S4 ]! l! rThe 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).

, m2 S0 n7 Q) F! TWhat’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
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Variable-rate mortgages are inching closer and closer to prime.
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5 D' y, I; x) _# [This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
1 M3 ]& y- j, E3 E6 c/ r5 ]年轻的心 发表于 2009-8-16 14:13

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" f9 l) p5 I" p+ dthank 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%
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* F9 t3 h) t% P5年浮动P+0.20%

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3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%

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, G; F, k' l+ Y: w呵呵，需要的朋友请点击右边广告 Email 联系。