利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%
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9 a! G& E$ r" ?8 t& z3 year  fix  3.39%

9 f2 x' c; F' \8 T- @  C- f! o4 year  fix  3.85%

/ l1 o+ \9 t1 r" ]- K5 year  fix  4.09%


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$ D; c% q' M" L8 b5 d- z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！
lunik 发表于 2009-8-14 19:20

7 }" {: [0 [7 J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。

$ [9 M5 I( }/ e) }( B" x4 W6 t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!
8 x# Z! w( z2 I) J4 ]9 t) hmeijuli66 发表于 2009-8-15 23:33

9 J- a1 Q- P# Z: UVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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% L1 D2 u7 a' c& P. Q* M4 rThis 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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9 _0 H3 Z5 T7 `+ h8 I5 QMerix 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.
( i+ A: F1 U# f3 x, gYou might ask yourself, “Why would I want a variable term under five years?”  
# d. H7 T+ Q. r& E8 x+ RThe 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

& E* L2 u- E9 w5 [* v3 E; C9 J- z9 K Variable-rate mortgages are inching closer and closer to prime.

! g# Q6 J$ a, |3 kThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
& M9 g) _* ~5 S) L年轻的心 发表于 2009-8-16 14:13

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  ~9 ?- P, \3 d, _3 _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：
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3年浮动 P+0.10%
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! b9 O4 ?- {8 ?, W5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%

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  x1 x) D5 U) e  s呵呵，需要的朋友请点击右边广告 Email 联系。