利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

. I, }3 U% t$ e. u1 P* l利率新动向：

3年浮动 P+0.15%
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  k' E8 |( C- Q# T9 N% E9 J' `: S  j5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%
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, |. i1 N: F1 L$ D' M5 year  fix  4.09%
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4 Z# m6 ^4 }% n2 m3 j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！
6 t1 W' g+ p, c3 k" Klunik 发表于 2009-8-14 19:20

) L4 l4 {% i" z$ g- 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。
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6 O4 M. E+ q6 E# b8 K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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5 Z% [3 N& i6 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!
* W* C/ u) c1 xmeijuli66 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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; \: A' x, D+ h( L/ H5 }3 yThis 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?”  
$ d, ?- \9 X1 l; S; F! [& cThe 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

+ m6 W1 O( c: F. S Variable-rate mortgages are inching closer and closer to prime.
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5 {: n9 L! Q) c0 R# s, q( wThis 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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( _0 b; X' k. j5 N4 ~8 F' M3 Othank 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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; h4 F8 P4 }5 K3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%

4 year  fix  3.85%
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6 e# y% {+ {) ]7 \/ E& S7 Y5 year  fix  3.99%




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