利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

) [0 _5 S: [# ^, J3 o2 a' t. Q利率新动向：

1 d; F; H+ Q* I2 Q8 n$ v3年浮动 P+0.15%
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' {1 n; _1 i4 G* H$ o: g5年浮动P+0.30%
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4 L! F; s6 x' W1 I3 year  fix  3.39%
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! _0 R9 {4 {$ m3 R4 year  fix  3.85%

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

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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！
lunik 发表于 2009-8-14 19:20

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  a7 m( Z2 k, U; R6 }' l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。

! x( d' s4 @: a/ E% C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%

6 r5 Q1 E% e- Q5 r1 f! H2 K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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. l( Z) r. E# `; p5 Q( H9 v* q8 T5 \5 TVariables Get More Competitive
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  f; [8 ~7 j' ^2 p7 f4 q Variable-rate mortgages are inching closer and closer to prime.

- @. R4 ~: m5 j) X& 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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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.
2 P; Q' d' ]) N/ R5 r8 ?* k+ kYou 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).
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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

0 n' A4 m  p/ X5 Q) E  I2 r; V0 s 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’ ...
9 ^, r- ]; ]3 K' f( {年轻的心 发表于 2009-8-16 14:13

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' r2 u$ \( ^% H: s$ E: X+ w( lthank 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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. _$ H7 I! j5 w; d+ [% s" g' J# j3年浮动 P+0.10%
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. M) f2 c: f; n& j5年浮动P+0.20%

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3 year  fix  3.39%
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4 year  fix  3.85%
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5 year  fix  3.99%
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3 h  M% o* m2 U; o呵呵，需要的朋友请点击右边广告 Email 联系。