利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

4 x/ B* e/ V, q, N  i4 z8 K2 ~利率新动向：

3年浮动 P+0.15%
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$ S/ I) I3 W# J5年浮动P+0.30%

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2 {; C6 `. v5 b/ v3 year  fix  3.39%
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6 l& t0 c, |- z+ s4 year  fix  3.85%

2 r0 E* [) g! D& R( I5 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

6 C( Y5 O7 z0 z5 n8 Z' w

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
$ h4 `1 X/ q# c" I+ R7 d" \lunik 发表于 2009-8-14 19:20

; n# B# x  y' l8 ^0 f, i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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, v% G% K* c& [6 H" C7 ^3 @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%

  G$ [. L& p- X" c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!
( H# j) Q5 r% _" `# k8 h, Fmeijuli66 发表于 2009-8-15 23:33

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9 J1 v. r( [9 r5 \+ ]Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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4 z8 z7 {4 X5 a# ^4 ZThis 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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9 I& b1 B) D4 `7 DMerix 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.
4 }9 `: n+ j& y5 XYou 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).

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.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
* {5 i4 Y% _* E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：

' D, V7 g0 ^/ K0 @/ a7 Y/ Q3年浮动 P+0.10%
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. ]# d! p6 {4 z+ M& G9 M. R5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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) t7 j. M/ i) Y+ K呵呵，需要的朋友请点击右边广告 Email 联系。