利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

1 w' J+ S8 g. y/ S2 x/ v/ s$ l$ T, G利率新动向：
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3年浮动 P+0.15%
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5年浮动P+0.30%
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" h! o7 e/ r! X# t" a# X1 F8 ?! Z3 year  fix  3.39%

4 year  fix  3.85%
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* t3 m) K" _' K3 }5 I5 year  fix  4.09%



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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

& B3 Z& z3 P/ s+ [

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
! K! Z5 V7 t* s. a7 Q7 Ylunik 发表于 2009-8-14 19:20

3 C, y; g' \4 L+ v1 E) T4 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。

2 q6 P  k, r6 t: \$ K5 v/ `( I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
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Variable-rate mortgages are inching closer and closer to prime.
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: B4 g5 |' _1 l9 F. c& r* BThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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

; C" S) h, F# x( Z8 P$ C6 n 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’ ...
3 ^. C1 F% X. i3 a1 M0 w$ h  G年轻的心 发表于 2009-8-16 14:13

9 c  p& V7 U7 s* Z" u5 s( d8 L" pthank 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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; `  I! k8 U% R* W! q3年浮动 P+0.10%

) b% k0 {3 i% x/ Z8 K5年浮动P+0.20%
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0 S+ V; ]2 M% g2 C3 K3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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: h- v  \4 p/ Y4 E7 S- |0 p- m呵呵，需要的朋友请点击右边广告 Email 联系。