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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$ _3 a8 g8 ^. l% E( n7 ~9 ~3年浮动 P+0.15%
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5年浮动P+0.30%
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' |% \9 {/ J1 E3 year  fix  3.39%

- F# z( ]* F4 Q9 s+ [. X. i4 year  fix  3.85%
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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

  ?+ E* n  C3 A' J7 a

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

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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! @4 i1 ~' i7 h% }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!
) p+ U1 ^  i+ p% Nmeijuli66 发表于 2009-8-15 23:33

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$ t) _9 b& f4 \% l7 iVariables 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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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.
; O3 _7 D  U  p* r5 I6 @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).

/ g1 y* ~  r7 l( L5 ], `5 d8 Y# M  r$ }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

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’ ...
. d# w8 A8 a& I( H% d年轻的心 发表于 2009-8-16 14:13

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6 u/ j$ x7 i( r" k9 U- w" ~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：

/ D4 R/ b0 G% G% L" s( F3年浮动 P+0.10%

6 t5 A) b# n, D3 }+ E# N/ b5年浮动P+0.20%
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3 year  fix  3.39%

8 s1 U4 J: N& z  t: {" p  @4 year  fix  3.85%
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3 w! u1 s: F6 C1 J& k5 year  fix  3.99%
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3 J6 b0 w$ h  R呵呵，需要的朋友请点击右边广告 Email 联系。