利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

2 @9 M; `  T3 I- A9 y% U
. ~% q/ `# Q) A0 @利率新动向：

3年浮动 P+0.15%
7 j% V0 g. z0 \0 ~0 Y( p( ^' R
5年浮动P+0.30%

  W* z3 s: b$ N3 B6 z
3 year  fix  3.39%
6 O  @3 B, Q* l. ^* n( b
' w/ u2 t) i- c* I7 U4 year  fix  3.85%

5 year  fix  4.09%
. z: D1 U2 S0 N. P

/ s; f1 o7 j( m# Q5 a0 N: \# W2 C2 E
2 b- Y% q2 G2 L  ~, _, R/ D: ?0 ^
7 e$ b) i' d6 R
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！
( R3 L& r" w' z6 _; a' zlunik 发表于 2009-8-14 19:20

1 E: ~1 \. C+ K5 C6 F$ f
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。

7 ~3 f. x( _. H4 u$ Y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%

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

Variables Get More Competitive
* y( ?) Y+ p/ u/ y" o
7 [1 R. D" w* Q+ k4 x Variable-rate mortgages are inching closer and closer to prime.

5 t6 x' |- u: t, ^/ B  a8 s: y" z; X% LThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
& T. J7 {, p8 z" E  e& j$ N2 o
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).

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
3 r. x! K: e8 L1 M
. I- f# p9 [- n$ ^; z) l2 ]& x* X Variable-rate mortgages are inching closer and closer to prime.
9 Z8 K: n/ n# B. k: {7 e1 ~7 I8 g: \3 a
This 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

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：

3年浮动 P+0.10%

5年浮动P+0.20%


# D0 v1 z! B; j, E# v3 year  fix  3.39%

4 year  fix  3.85%

  j) v. I; `2 s$ i8 C5 year  fix  3.99%
4 m& Z! A: N) C# ^
" U/ I- y6 e) u) R8 d
5 T3 @2 D8 E1 y
. k) g/ J. \  W4 B! M

呵呵，需要的朋友请点击右边广告 Email 联系。