利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

4 [# g7 Y9 }# B5 v利率新动向：
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$ N2 |# D/ C! J" r4 \8 Z9 ^2 U7 I3年浮动 P+0.15%
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5年浮动P+0.30%
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9 G7 [' r5 ^' ?3 year  fix  3.39%
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- r2 N8 ?4 P; [* \5 \4 year  fix  3.85%
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5 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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
# D/ J6 v( m2 T* O$ Klunik 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。

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!
meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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# P: O* ]0 W) t8 _: U8 }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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7 p& P1 H5 f1 [( b6 x! s" rMerix 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?”  
! w8 \( n+ D# y; fThe 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
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& z7 Q; m% Y7 B) H3 i, 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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8 J6 Y) ]# Y& G9 [! Bthank 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%
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0 k9 [0 J5 K4 m$ P) F. W5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

  I: g+ _9 [+ W4 Q" R5 year  fix  3.99%

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2 X* Z8 l/ @9 z$ S' m呵呵，需要的朋友请点击右边广告 Email 联系。