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：

5 l9 D: f5 {. q/ X3年浮动 P+0.15%
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5年浮动P+0.30%

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3 year  fix  3.39%
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4 year  fix  3.85%

, o: w; V# G7 D/ v3 x5 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

) C8 r- Z$ x' z- c3 d% u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。

/ E* R' ^6 v! S2 O, m( t3 ]0 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%

7 P7 b9 c- `' u8 s/ D1 u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& P) r4 I% p+ m4 R( Zmeijuli66 发表于 2009-8-15 23:33

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! A  z: A5 k2 J, r- v2 KVariables Get More Competitive
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$ C5 _8 ]( r9 v6 h Variable-rate mortgages are inching closer and closer to prime.
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( z% S3 u$ u  {- e7 L1 L: AThis 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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; Y8 I% q! S9 G3 UMerix 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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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

9 |, K7 n2 p9 J) K 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’ ...
年轻的心 发表于 2009-8-16 14:13

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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3年浮动 P+0.10%
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5年浮动P+0.20%


) p) X$ }' f5 \* N; A3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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0 P1 }- [( D( w/ O呵呵，需要的朋友请点击右边广告 Email 联系。