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：

3年浮动 P+0.15%
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. ]2 q6 g5 K- g- d3 B5年浮动P+0.30%
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3 year  fix  3.39%
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1 N; [+ A0 G2 w. v' R- `( k4 year  fix  3.85%

5 year  fix  4.09%
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3 q1 @7 e. U; z8 h( N& a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

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

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3 n1 p5 X% ?8 r8 W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。

- H; F) Y, F  A7 g7 s$ q% `4 b6 U" 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!
' x- v6 ^, H, h* Lmeijuli66 发表于 2009-8-15 23:33

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7 z) w# u$ o! i( ^2 y; v* PVariables Get More Competitive
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* [3 k0 s* k' ~+ F. m5 q* h' H Variable-rate mortgages are inching closer and closer to prime.
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: U: t* F8 v* N8 s* u. S1 \This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

% X; g( _  `9 {. C" PMerix 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?”  
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).
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( F5 ~4 S4 c- ?/ Y1 [% d' ZWhat’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

) ^* {" b; m5 ^" a  o: @ Variable-rate mortgages are inching closer and closer to prime.
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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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% Y+ _9 B0 z8 w+ R( k3年浮动 P+0.10%
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5 x( E7 y" f- ?/ V* j, N5年浮动P+0.20%


5 ~: N7 o$ K! ^: U9 U3 year  fix  3.39%
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4 year  fix  3.85%
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) `$ {2 U2 W# n8 J5 year  fix  3.99%
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