利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

" f% W3 F# N9 [" U2 l" B利率新动向：
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3年浮动 P+0.15%
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5年浮动P+0.30%

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3 year  fix  3.39%
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( c7 J; N& d  s4 year  fix  3.85%

5 year  fix  4.09%
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+ m1 a; |8 W7 Z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

9 [9 S: t* V* O  C9 I9 U9 T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。

/ f9 m8 e& i, B' G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!
% m) L  X% c# v/ X- s6 ~3 s% }$ cmeijuli66 发表于 2009-8-15 23:33

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: H  m7 S; E, F7 o6 R; eVariables 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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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.
7 Z+ {* ~1 m. |- I2 J4 PYou 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).
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: \; T/ o! g3 t8 I  i  X1 l/ OWhat’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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% {8 k8 C5 \" p" e! z8 q' g+ D Variable-rate mortgages are inching closer and closer to prime.
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) B- y) s' m9 C, }( m3 X2 \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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: Z/ ?( t+ c2 T. d) ?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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6 a5 h6 T2 i$ C- q4 |0 I3年浮动 P+0.10%
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. A' z! X1 g0 w7 w8 T; g9 i* \3 U5年浮动P+0.20%


7 G& D$ X$ y$ a8 C% C; K9 e# _1 J3 year  fix  3.39%
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4 year  fix  3.85%
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5 year  fix  3.99%
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