利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

. v5 `" Z6 E9 J+ t8 V6 z利率新动向：
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3年浮动 P+0.15%
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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%

( D1 ~3 w( l+ D5 @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

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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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。

) m! g( B* E9 l. ~/ u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%

; U6 Z4 T' c3 w3 a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!
4 Q* o4 l. O' [meijuli66 发表于 2009-8-15 23:33

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4 j+ h! @3 K) Q2 B/ `/ lVariables Get More Competitive

" U) j" C/ W9 O( Y( M Variable-rate mortgages are inching closer and closer to prime.

) b0 V6 n9 u2 t* dThis 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?”  
, v3 R* g8 U4 T+ r# V, @+ G1 ZThe 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).

2 u/ W: c7 j9 ?8 g# R1 |* a3 G. SWhat’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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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’ ...
* k2 l  f! d. J. }! 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：

$ c1 K+ o- Q8 D6 ]3年浮动 P+0.10%

5年浮动P+0.20%

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8 j6 [) o! Z! `3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%
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5 R; F& ~, K% O$ u: s+ W9 W+ ^6 z# l% W呵呵，需要的朋友请点击右边广告 Email 联系。