利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

9 b8 }1 J' `5 ~$ v利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%
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# j, {9 Z& `' Q- d  I4 year  fix  3.85%
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5 year  fix  4.09%

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$ i1 ]: W7 E- n. z0 O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！
; a; e" p9 b  wlunik 发表于 2009-8-14 19:20

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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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( _7 H! k' R- |4 b% O# ]# S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%

3 r2 ~/ J9 H  H9 u3 H+ v2 s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 j$ f: N  _: Q8 w' D: I( {; a 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’t been this low since last fall.
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! T* W5 S% D! W8 @" ~% YMerix 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.
: {, {" x4 K2 I; TYou might ask yourself, “Why would I want a variable term under five years?”  
  P8 ~6 E# ^5 h5 k- _' O. hThe 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

Variable-rate mortgages are inching closer and closer to prime.

0 U6 H6 `3 n4 |- ~This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
. e3 U- V9 m! W: V年轻的心 发表于 2009-8-16 14:13

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4 K* g0 y: i/ A& I: w- b( D, mthank 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：

+ E7 Z% V9 a/ N) o3年浮动 P+0.10%
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+ S0 G8 ~3 m& k$ y( s5年浮动P+0.20%


; a- t% o% V8 h$ Y/ q4 p& S) Y  ]3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%
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+ \$ ^2 p" N5 c1 z% Z. J2 p呵呵，需要的朋友请点击右边广告 Email 联系。