利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

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* |8 F3 @/ u9 v1 e9 X0 e& v4 E* T利率新动向：

5 Q/ ~9 L- I0 K- G1 l3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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4 year  fix  3.85%
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; C4 r9 Z# K. T  J& L5 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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
9 }. ^% i; v% Y' ylunik 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%

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!
: y& X1 v  T+ }, j4 i1 c5 emeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

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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/ O" {6 m0 l% W% hMerix 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?”  
! k0 B0 w8 t/ ?1 w) x) K2 s) ?# J8 wThe 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).

0 c% h2 l& x% D0 H7 t( t' V: WWhat’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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8 M7 E% _: P' l6 P# v  ~. S1 k0 H 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’ ...
* ^1 N% n  V: s8 _( {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：

3年浮动 P+0.10%

' W5 `1 n8 K$ N! u$ y8 I5年浮动P+0.20%


3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%


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% E, v* L. T. Z% n. J1 ~. t6 r呵呵，需要的朋友请点击右边广告 Email 联系。