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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+ _, W0 f" ?8 _! H, b利率新动向：
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& A! g9 s' `% P7 q' M7 Y3年浮动 P+0.15%
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5 P7 ]' E. [# s$ N# u/ {  Q% U' b5年浮动P+0.30%

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/ w, W) D; a1 h1 g* Z+ Q3 year  fix  3.39%
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' _) i8 x$ J6 q3 m0 F4 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

8 t" q0 X. i! x  a5 I! J# U- h, ^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%

: j& c+ M, r0 s& M6 M* }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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6 I( T. g$ ^" J* S( W1 kVariables Get More Competitive

) p4 g8 S. f$ R 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.

3 A0 @7 {/ ?( w/ B2 C) hMerix 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?”  
7 [/ P0 Q  u- T! v7 O" x5 J0 iThe 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).

* m$ |) n( w: |1 i2 p1 m+ rWhat’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.

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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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：
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3年浮动 P+0.10%

6 v1 E3 C' @, r0 h6 g/ J* G5年浮动P+0.20%
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% B. M6 C# B+ z- F2 S/ B% I- n  E, i3 year  fix  3.39%

+ S& R. o' X1 F* b1 i: T; j/ o, n/ Q4 year  fix  3.85%
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5 year  fix  3.99%
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2 u9 l3 O+ }/ h# [/ v呵呵，需要的朋友请点击右边广告 Email 联系。