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：

3年浮动 P+0.15%
- |3 t3 M) w, o, I* N; n& I( J
3 R; t, r  l4 X5年浮动P+0.30%
. x" L0 ?' h1 [7 x) {: z

: h+ I+ e' I1 z3 year  fix  3.39%
' m* T, `; V  G1 ?
4 year  fix  3.85%

0 E& Z+ r) I0 \6 P5 year  fix  4.09%
1 `+ `/ O2 _' W0 f- l5 F
5 P9 b9 @" c7 X6 l, o  d+ F5 L+ _



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

% f7 r+ w3 o+ L$ d6 E7 F

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

. {0 I1 s; t  }( c( e+ 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。
- h% s! L/ z- |
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%

) y9 N  B. Z/ K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

Variables Get More Competitive
: _/ u) n/ k5 g7 f; z
Variable-rate mortgages are inching closer and closer to prime.
8 k& b: z. |  e1 S- q$ y0 d; 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.
1 g- _  x% D, I& X* s+ a' r6 {1 T& p, c
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.
" `8 W8 O. Q( g& M- s5 vYou might ask yourself, “Why would I want a variable term under five years?”  
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
) Z6 x9 \/ O" a& E1 k- G
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’ ...
& S' h2 _- y8 \0 T5 {年轻的心 发表于 2009-8-16 14:13

8 ?2 v  s) ^2 N, j! }1 {
) r2 U/ [, Q. y7 V& l# Cthank 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：
  y5 f6 \3 J0 @, w* o
3年浮动 P+0.10%

5年浮动P+0.20%
' M; g$ b% E4 H$ v4 V# y, i$ [; U  u
" W) y0 S6 X3 Q: a# j& ^' N* R
3 year  fix  3.39%
& V' v, w: ^+ B# g, I' x& W$ ]' @
4 year  fix  3.85%
8 L. V* h6 N! y
5 year  fix  3.99%
! ^5 t( h1 v3 n/ Y( Z
2 x* l3 D8 e! V$ O0 ]
% o4 V4 m3 G6 o  I$ ]+ J


* N, J9 H! d5 Y2 R! X- M呵呵，需要的朋友请点击右边广告 Email 联系。