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：

) `. m6 E: @5 K4 `3年浮动 P+0.15%

1 l' M8 c1 e$ t( b: _* x* n! `5年浮动P+0.30%

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3 year  fix  3.39%

4 year  fix  3.85%
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& r3 _% m+ p8 n5 b: y5 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

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。

1 a5 J6 E6 }$ c2 @  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!
meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

4 i; I: C+ H. _4 y5 y7 x 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.
You might ask yourself, “Why would I want a variable term under five years?”  
6 r/ K; ~4 K: B7 U4 M$ K: y% 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).
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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

2 ~" B$ u3 K8 ?! I+ c5 \ Variable-rate mortgages are inching closer and closer to prime.
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" M6 Y# w, B3 D6 M; Q1 yThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
) p& H' R2 g3 q: C年轻的心 发表于 2009-8-16 14:13

0 l# g6 _3 b4 Q7 a# Athank 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：

/ Q- E% l- N; F5 x5 i% d3年浮动 P+0.10%

. E0 C2 H6 ?1 P5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%

" g) y; o, v- \! A' P, |. P+ W1 U5 year  fix  3.99%

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' g5 H6 B1 T  \5 C" d呵呵，需要的朋友请点击右边广告 Email 联系。