利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

$ u0 A, m9 o9 v+ [利率新动向：
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3年浮动 P+0.15%
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' P, _6 O/ B# l  R7 n5年浮动P+0.30%
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3 year  fix  3.39%
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8 Y: w) l! [% N4 year  fix  3.85%
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  m6 A8 r5 r3 a. G1 Q5 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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8 e( J( b$ ~- U& M8 _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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) c! j, O4 l' X9 u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

Variable-rate mortgages are inching closer and closer to prime.
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2 G, s" \, B% r# u' ~% EThis 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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: x& w  v9 d' w5 cMerix 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?”  
& Q( W' f/ _, k0 ]% ^2 oThe 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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+ m3 f! t# q- P9 |& x# Z, HWhat’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.

) D7 G! E2 u# K# DThis 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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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%

4 Y& t+ }# b. R  b) B$ |, l6 Q5年浮动P+0.20%


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  h; d+ \/ E* U6 p- c. `4 D! C' Y4 year  fix  3.85%

6 V9 o4 T4 w5 ]" A1 [( f8 m5 year  fix  3.99%
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+ G4 R) D, h; v# U呵呵，需要的朋友请点击右边广告 Email 联系。