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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. e3 o) k" M9 o$ P" V利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%
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7 d: u) H, J) V1 I9 O4 year  fix  3.85%

/ Y" |7 u7 e4 P( ~5 y( c4 {5 year  fix  4.09%
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- X0 w8 O2 b8 J3 _% h7 n2 }( ~! j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

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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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% Z( q0 v5 e" W$ l( V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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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!
  |0 V: A2 x3 i8 q* Vmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

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’t been this low since last fall.
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! {, A2 d9 P( q- Y3 V1 `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.
9 M& O9 ]' y2 ]! w9 ?You might ask yourself, “Why would I want a variable term under five years?”  
+ J3 S9 v5 ]. b+ v9 q9 i- FThe 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

. u3 O# C* x0 t4 `. F8 f 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’ ...
/ Q# S: r  {+ r* p! v3 z' W" x1 I( R- F( \年轻的心 发表于 2009-8-16 14:13

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9 L& P3 B) x' ~; i: fthank 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%

5年浮动P+0.20%
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: D. X3 c; F/ |: w' O# X3 year  fix  3.39%

9 t5 V! R6 G5 U7 i2 O2 O2 D4 year  fix  3.85%
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1 A1 u: I+ ^. N. x+ j5 year  fix  3.99%

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