利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

7 W" o! l0 n* V- ]8 D. a, M+ G利率新动向：

3年浮动 P+0.15%
0 @) s; \0 N# {. J7 D. [9 f2 \
1 {0 |/ b. b9 h. U& n  [5年浮动P+0.30%
! x8 F$ }, L* ]! n8 ^6 k

3 year  fix  3.39%
5 d  \$ ]3 d8 B* c/ ?2 _% b) {
5 F* Z+ g. C8 d- |. u4 year  fix  3.85%
- f2 o& c: B" f% s, H: v/ Q
5 year  fix  4.09%





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

/ q" X. w5 Y2 v4 c& Z

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
, L! J2 i9 e/ |. Flunik 发表于 2009-8-14 19:20

6 d- m/ c6 ?. r4 {7 a
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。
& W; z& g% w5 |, {: H: @. C
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%

; [$ C5 M5 n$ j  N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!
) q) u; J$ v6 g6 O* V  pmeijuli66 发表于 2009-8-15 23:33

# N9 k/ y+ G4 T! ^Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
, z8 }3 B& H8 [2 V0 t* K) f
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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?”  
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).
+ g0 B, X  S! x# q% l: l. R  V
4 l& N- Z7 [; Y$ c) b, xWhat’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.
) |* ]1 ]1 O! E; s, N' u
$ ?+ {9 h1 O" a+ QThis 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

0 y: A9 H) A+ ^- p7 ^
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：

3年浮动 P+0.10%
' P: a! G1 N; d
  _5 g9 ]* Y, A! q5年浮动P+0.20%
$ A' F( [( r- U
0 L9 Y9 ?' S. x
4 `8 `6 A" A1 o: m; G2 e3 year  fix  3.39%
1 P+ M$ @# ?; W% C( d2 Y' O
4 year  fix  3.85%

  y) j/ j. K9 n& t# z9 p& O! d. o8 ~5 year  fix  3.99%





: I4 j$ Y1 L% |* N. q8 d呵呵，需要的朋友请点击右边广告 Email 联系。