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：
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* Q' s/ ?9 N: k' z- ~3年浮动 P+0.15%

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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( j* _9 L% F6 U# A- G; E5 year  fix  4.09%
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  r0 g! P2 m* w2 b& w2 k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！
" C% z! K% `2 D" E5 U8 Clunik 发表于 2009-8-14 19:20

- L! P' Q) m+ f6 @* c0 @- t6 B0 B) K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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6 Q. |% G9 Q' [9 g2 L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!
5 Q# S# p& c, B, Xmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

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.

2 @- H8 g. L8 p* YMerix 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.
7 t! V+ ~4 x" V/ i4 T% pYou might ask yourself, “Why would I want a variable term under five years?”  
- c9 |8 w, X3 J$ t6 j: \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).

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

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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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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: W6 s3 K! Q7 c. A' T/ `3年浮动 P+0.10%
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3 u6 W) H* x0 M5年浮动P+0.20%
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: z2 I$ v; }' O9 k; H3 year  fix  3.39%

4 year  fix  3.85%

. [. D5 u) T9 M5 Q5 ?6 g# M5 year  fix  3.99%





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