利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

; B( R) D, |9 j2 O2 H, |" a0 M利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%
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( ]; c4 u% y5 A8 W8 m3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  4.09%
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. K2 O; J! j5 u: |) y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！
lunik 发表于 2009-8-14 19:20

' C  s. G1 x. J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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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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% T$ x3 f9 d6 N: }7 k1 E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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9 L- b5 P8 n9 ]2 H6 X" I" 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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% Y; X; \5 A: g" |# E2 U0 `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?”  
8 o1 @' X* `% o. `* Y# rThe 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).

( k: S0 Q- t/ b& D) P3 QWhat’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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0 k: \$ o' }3 t; Q Variable-rate mortgages are inching closer and closer to prime.
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; Q; H7 x* n% z6 \This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
" I0 N! m* [  K' z3 N, T# p年轻的心 发表于 2009-8-16 14:13

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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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8 d" r9 Q5 G4 j. p" ]3年浮动 P+0.10%
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5年浮动P+0.20%

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3 year  fix  3.39%
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/ z4 H, x0 C; g7 G7 _5 r; s( O2 _4 year  fix  3.85%

5 year  fix  3.99%


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