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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利率新动向：

- N+ H' |1 B$ T3 ^3年浮动 P+0.15%

  m4 n9 @2 n+ M( S7 N5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%
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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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
) o. M  Z7 ?7 V+ Z7 K5 f( A3 }lunik 发表于 2009-8-14 19:20

, c1 C- M" [) X4 Q3 v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。

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!
. Z' N0 K& {0 umeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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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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. V2 x' d- W5 C) _% ^( i, W7 q; BMerix 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?”  
- W5 Q7 r( s8 p& ?1 n4 H1 F0 u% lThe 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).

* C' Q! L: I' }+ K  [( a# QWhat’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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( g1 A8 X% v, `! z4 E8 ?2 o4 y& _  u Variable-rate mortgages are inching closer and closer to prime.
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$ B# d* R7 R1 e, {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

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：

3年浮动 P+0.10%
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& j! N1 s1 }! s% G% j! d6 @5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%
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4 C. f. y: g, F7 G, E" R5 year  fix  3.99%
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9 Q; O9 t* y% }6 y. H5 |9 h# R呵呵，需要的朋友请点击右边广告 Email 联系。