利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

+ i+ ~5 s, V' s7 ]: U0 g利率新动向：

3年浮动 P+0.15%

) s- W1 Q+ Z  {# ?- Y7 v5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  4.09%
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* H. r* X9 r5 B/ v& ~+ F' B' n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 j& A7 ?9 Y* L4 c7 E7 Elunik 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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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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( S4 H! p1 M* A2 \& L1 s' ~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 M# C% T0 y& [1 G, d1 D* xmeijuli66 发表于 2009-8-15 23:33

- d% _8 B3 H# r# ~# c0 WVariables Get More Competitive

+ Y% a1 g! |# C$ O9 H+ N4 v 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.

% e( ]2 y8 J$ u3 S9 u8 h8 YMerix 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.
/ N0 F' s# A% Q1 iYou 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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, J5 {0 x4 M' Y3 {3 ~, B1 d: \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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Variable-rate mortgages are inching closer and closer to prime.
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/ r+ S+ f0 e4 [6 hThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
% p* {2 d" k& a% T. Q& m0 a) K( {年轻的心 发表于 2009-8-16 14:13

% H& h+ Z6 b. }" [# Ethank 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：

3年浮动 P+0.10%
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5年浮动P+0.20%


% x. l( i, w0 N1 k- o6 [3 year  fix  3.39%
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' J4 E. n9 B0 ~" N" T# F4 year  fix  3.85%

5 year  fix  3.99%
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. @  i# L2 |8 E# A呵呵，需要的朋友请点击右边广告 Email 联系。