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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5 R8 r9 r* _4 }1 W5 [利率新动向：

; I" f7 P9 @* N. v. Q1 q3年浮动 P+0.15%
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2 F) ?% X' I( E2 }) O& a6 A5年浮动P+0.30%
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3 year  fix  3.39%

2 f4 B: {' H' J2 |  a4 year  fix  3.85%
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5 year  fix  4.09%

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: Z3 A, S4 G; f$ ?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！
2 @0 N1 g  d+ D+ Vlunik 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。
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3 q& P0 f3 v% I4 X1 v. ~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!
2 D6 p/ z4 o5 q  x# g* ameijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

  l5 E9 h/ ~4 j; G 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.
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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.
You 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
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) i, w7 L/ V$ U/ q. Z 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’ ...
: S3 H; R6 Y7 q& Q2 y0 ]6 i4 l年轻的心 发表于 2009-8-16 14:13

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+ Y" G* m6 {; M( Wthank 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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8 N* N: ]; t7 W" j0 C3年浮动 P+0.10%

. }- w( v( J) Q" D; a5年浮动P+0.20%
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3 year  fix  3.39%
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% ?) j( X& M: }7 n( x- x( v* |4 year  fix  3.85%

5 year  fix  3.99%

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