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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利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%

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7 T* d3 F. C5 A4 N0 v& m3 year  fix  3.39%
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5 W* Y+ O! Z; X* b" u4 `: ?4 year  fix  3.85%
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* g  j( s* k, I5 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

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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1 d1 C$ ^) i# k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!
2 _) z. _1 b4 e: D2 nmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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$ p& C' S% O! b& rThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

0 v3 e2 R. k: d5 X; g- gMerix 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.
$ ?8 D) a' ]& z1 kYou 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).

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.
7 e( w2 f. I8 t1 n# N! Y; K4 ?
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
4 o. a0 F& n; S, r) o* B年轻的心 发表于 2009-8-16 14:13

# q& A; j0 ]2 D* i2 Z2 q) @+ ?* Wthank 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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6 K1 y. r% m$ b: S4 K( d/ f3年浮动 P+0.10%
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2 Y0 Z3 q1 @) w. I1 u. N9 x5年浮动P+0.20%

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. s, X% x) y( r9 z1 P0 o9 g0 P3 year  fix  3.39%
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4 year  fix  3.85%

) s0 E" l+ F. c1 g4 Z5 year  fix  3.99%


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  x' L0 I9 ^* a; S. `- |" d呵呵，需要的朋友请点击右边广告 Email 联系。