利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

" L% i2 @! W: K利率新动向：

3年浮动 P+0.15%

1 a* s% u7 B- m5年浮动P+0.30%
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3 e2 f5 [$ p+ a9 w* {5 U/ U3 year  fix  3.39%
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$ I0 g8 x/ @8 ?4 year  fix  3.85%

( k* D- S; V( c- X5 year  fix  4.09%



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' N: l( B0 _- ^3 x5 V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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
3 X5 C3 v/ B7 c5 b# ?0 m4 o6 jlunik 发表于 2009-8-14 19:20

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!
meijuli66 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.
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$ Y( m1 x' q; `6 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.
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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.
! s, ?% w- s& ~/ K& _" m8 ~! W! oYou 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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8 s3 T4 N! O1 @9 LWhat’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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Variable-rate mortgages are inching closer and closer to prime.

# j' u$ e: p) K( Y0 iThis 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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+ C8 ^( b/ V7 v: l0 H  F( j- Rthank 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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9 t& H+ Y* z" B! w4 x0 }3年浮动 P+0.10%

8 m7 F! I9 @! E, W5年浮动P+0.20%

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3 year  fix  3.39%

4 year  fix  3.85%

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。