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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利率新动向：
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* d6 w; T) H2 Y1 \0 m# I# p6 K3年浮动 P+0.15%

5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%
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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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
- X3 A8 S8 z% }& [( 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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7 @, ]5 ~, u( L& X& m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%

. s: j) ~7 [: H+ j$ j1 ^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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0 z+ q2 h! q0 \' s/ I; h6 ?This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

" c& z# A* i/ [* M% J7 sMerix 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.
( `$ B8 Y0 R% ?: s0 IYou might ask yourself, “Why would I want a variable term under five years?”  
: v4 E: q) H% A- z! tThe 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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( t5 t- u4 q$ }' d- p+ D7 b, ZWhat’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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: L; K- o. e  ^7 S2 k) s4 j 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’ ...
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%

5年浮动P+0.20%
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; A5 I2 e' f' B( z0 d7 n0 |3 year  fix  3.39%

, j, I1 f9 [9 h$ [5 c. i% P# T4 year  fix  3.85%

- D' ]' N- V! E- F/ F" H; u5 year  fix  3.99%

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5 P' ]8 C  ]; b' u. b- Y呵呵，需要的朋友请点击右边广告 Email 联系。