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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; I# m# |$ g& D/ t5 n4 H8 Y利率新动向：
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. S0 l/ z4 _8 P5 m; r% |6 X3年浮动 P+0.15%
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8 o$ C7 N0 o+ \( A" g5 {5年浮动P+0.30%


3 year  fix  3.39%
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4 year  fix  3.85%
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5 year  fix  4.09%
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5 R" q" y5 Y, X# J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！
; K  U2 A4 P# C; ~' Z3 p* Hlunik 发表于 2009-8-14 19:20

0 {3 K6 I! s, w* _! |* ^' N  X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!
meijuli66 发表于 2009-8-15 23:33

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$ U; |: d6 c7 P! K) o! nVariables 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.
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! ]  Z4 S, O& B0 qMerix 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.
5 A, \1 O) ~7 p' a5 f' Y8 @" n+ p, WYou might ask yourself, “Why would I want a variable term under five years?”  
. K  ^7 [0 T2 x4 g7 F) `' qThe 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

/ M) k3 q9 P1 l7 o 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’ ...
年轻的心 发表于 2009-8-16 14:13

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) l$ N; J7 G2 m: V2 Hthank 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：

& `# N; M( @4 }$ L6 }5 w7 _3年浮动 P+0.10%
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) Y2 G  [0 v' H* d7 Y. v5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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