利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

, @, |4 F& a! u( s2 s利率新动向：
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3年浮动 P+0.15%
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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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2 m5 w: z& J- X# L2 a( F4 R5 year  fix  4.09%

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7 F0 i% k. `# N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

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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！
. c4 i6 j' q  U# {8 nlunik 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。
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8 B+ R( z* q, J, e- |  b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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Variables Get More Competitive

9 p( F: t% R6 |( h% Y Variable-rate mortgages are inching closer and closer to prime.

9 n* @/ r8 p& s( V* |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 F( _5 r2 s/ f5 }0 bMerix 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.
- d+ b7 z8 g% a+ Y* @* m5 B! gYou might ask yourself, “Why would I want a variable term under five years?”  
4 [6 Y( g* v& f" VThe 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).

  ~2 a1 ~* R# u, qWhat’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.

* @3 x/ ?# w; m7 f$ y! R0 GThis 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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- S1 q6 \" h% I) Z- W/ E5 nthank 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%

5年浮动P+0.20%

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3 year  fix  3.39%

5 [$ _$ C  I) A) |1 b4 p9 g0 L4 P4 year  fix  3.85%
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5 year  fix  3.99%
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