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：

: x2 @  k4 U4 _: O2 W4 _3 I; B. M3年浮动 P+0.15%
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5年浮动P+0.30%


$ I, J- ]5 G& O7 v1 J! i3 year  fix  3.39%

$ r$ E9 Y) s% W7 k/ ^4 year  fix  3.85%
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" p; Q8 `/ t; I/ G5 year  fix  4.09%
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  s+ Y* Z2 o: e$ K. l( m- F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

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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！
lunik 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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( r6 q% B/ Z# D+ [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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) Z/ i& V) g4 p' p: S! m6 Q: v: h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

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Variables Get More Competitive

7 K  {3 ?7 F: ^: j Variable-rate mortgages are inching closer and closer to prime.
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/ y, }3 T3 v% ~This 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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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.
& c! S% n, z3 I/ T2 Y+ c6 ?$ C2 Q) hYou might ask yourself, “Why would I want a variable term under five years?”  
1 V5 M8 v) Z/ B" G+ V& e5 w  }1 I+ [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
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Variable-rate mortgages are inching closer and closer to prime.

6 `( C$ h' z1 v  j9 f* j, lThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
+ e* S; q3 u2 t, N; S5 J6 U年轻的心 发表于 2009-8-16 14:13

7 p, M. b* O0 b# T! Athank 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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5年浮动P+0.20%


4 S3 d# S/ w# g8 ?- a$ }* A) M3 year  fix  3.39%

4 c1 ~; J0 X! O2 B- [4 year  fix  3.85%

5 year  fix  3.99%

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+ L8 a! |+ x2 }3 h3 E# R* k; C1 g呵呵，需要的朋友请点击右边广告 Email 联系。