利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

, H/ \. W/ X# S$ m3 p4 S4 z利率新动向：
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3年浮动 P+0.15%
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- ?" X: i1 _6 ?5 n% n% I5年浮动P+0.30%

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; g. i5 @1 ^5 x1 Q: z. R6 t3 ~3 year  fix  3.39%
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5 d6 Y1 p1 v2 q6 V4 year  fix  3.85%
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, Q4 P  S. p. j* l" U5 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

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。

+ n4 P% V5 p3 p/ J& e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!
8 r) J1 D; o; F# C! Imeijuli66 发表于 2009-8-15 23:33

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1 X, r  I8 E0 VVariables Get More Competitive
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4 l/ q. m: A# z- I( [6 S# C 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’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?”  
6 M& _, B) H# C7 g7 S! g9 {! KThe 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

Variable-rate mortgages are inching closer and closer to prime.
1 ?. v- l4 U  D- K# M3 c( x( M# t# |
2 E! {& u0 m: g  `5 v+ R( jThis 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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5 W9 Z6 f0 N. a, ]0 jthank 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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4 E7 A/ Z' g. ?; z3年浮动 P+0.10%
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5年浮动P+0.20%
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0 a  L2 B& w- O$ t3 year  fix  3.39%

2 C: t6 f7 Y& m* \# }5 ^4 year  fix  3.85%
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5 year  fix  3.99%



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* W# ]" j& y* y4 l) k6 J: F呵呵，需要的朋友请点击右边广告 Email 联系。