利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

% X' a7 C) ]; N, k; ]$ s6 e利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%


3 year  fix  3.39%
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4 year  fix  3.85%
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% v! {2 |5 T+ v: @1 [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

4 `8 n( x$ o# H! B6 p2 W9 t

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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9 J; ~* w8 q- Q. ?8 U8 `2 U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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. g- f9 g) W6 Y  J# n& }) ~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%

, U  y* K: `( z' g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!
% T) T5 U4 M. h/ M6 M9 i3 b* Hmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

- M9 }9 t0 z/ t5 W/ |3 p Variable-rate mortgages are inching closer and closer to prime.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

. E  v: N4 f- K3 K* k6 a7 d1 J) l4 \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.
6 r$ ?4 |) [4 A  m- {5 U- R. d5 GYou 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).
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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

% I. Z2 D9 i0 C6 ?% q 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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/ |% B+ _* z% q& \) e8 rthank 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：

$ U( ~; E+ M; u7 d2 p6 J% S3年浮动 P+0.10%

5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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/ _5 {% }) `/ c, J呵呵，需要的朋友请点击右边广告 Email 联系。