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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/ j, r8 v: w2 X: [利率新动向：

3年浮动 P+0.15%

! o. A, k+ h1 Q" z- I) x5年浮动P+0.30%

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3 year  fix  3.39%

; L* }4 m3 p7 y: `4 year  fix  3.85%

" w5 q, U9 B3 I2 ^  E5 year  fix  4.09%





* a8 r# n1 `9 V% t  g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！
; l. G( Y/ N& i4 t2 u+ hlunik 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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8 Z+ x6 ?1 X* i! c+ P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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' A* G2 E! s$ s5 p$ e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!
. S, @4 K7 i3 Z" u, a' j# Jmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

. g& a2 A$ t$ k4 [/ i0 L Variable-rate mortgages are inching closer and closer to prime.
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% K+ B; m4 |0 X& \4 g% BThis 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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% L2 g- Y/ i. L) oMerix 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?”  
4 H" K* D7 q) E9 s& 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).

4 e& w. U% w- U" bWhat’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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5 P# m5 x' P" o: R9 ?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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; R; f. [9 k4 H- g7 W& _  ?5 Qthank 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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5 y2 k$ f$ K9 k( d" L/ ?3年浮动 P+0.10%
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5年浮动P+0.20%
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! {( ?- i( p# a& J* ?' z8 O8 d3 year  fix  3.39%
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- M8 u8 `! \; w% k4 year  fix  3.85%
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2 }9 H8 s9 W7 S) h9 }" @' C5 year  fix  3.99%
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呵呵，需要的朋友请点击右边广告 Email 联系。