利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

" L) C0 u- I5 D! s* e7 d7 D/ d利率新动向：
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) Y9 i- _8 R7 A4 F6 ]' _3年浮动 P+0.15%
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0 [3 M0 w( I/ W$ B6 j* r7 E4 [4 l+ t) g5年浮动P+0.30%
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3 year  fix  3.39%

9 ?+ j4 \3 r( p4 year  fix  3.85%
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" d6 p5 D7 p% q/ H5 year  fix  4.09%

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& F9 W4 Q9 `9 t* I8 |5 Z6 y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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5 q- r5 I/ p3 l6 @8 v- C8 c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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0 S& \$ x9 a( U0 u9 ]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%

7 l6 S, C' m8 ?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

- E5 c- z% b: e+ V) c1 uVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

2 @( L# |5 t0 k# qThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
You might ask yourself, “Why would I want a variable term under five years?”  
' G- e$ y7 H% 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).
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& m& c9 ^4 y4 Y6 `( |3 u/ ZWhat’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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" h3 O1 s- h0 Q Variable-rate mortgages are inching closer and closer to prime.

6 ]& h" g% {; v5 zThis 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：

- f4 Z; r5 ^% r6 B$ i5 ?( @4 C7 }3年浮动 P+0.10%
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5年浮动P+0.20%


3 year  fix  3.39%

4 year  fix  3.85%
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/ e  o$ ?! X+ p( ]0 n6 @: |5 year  fix  3.99%
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呵呵，需要的朋友请点击右边广告 Email 联系。