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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$ I9 J! v2 i' ?% T6 c% \8 ^( p3年浮动 P+0.15%

0 J3 ]" k  y. K( m) [1 J/ I$ O4 x5年浮动P+0.30%
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, |  \9 e$ y! O4 b, J+ f3 year  fix  3.39%

+ {2 W( g- R  n% h1 @  o8 [4 year  fix  3.85%

/ z5 b7 i3 r, S2 e" g' c5 year  fix  4.09%
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" b4 K" E8 @& ~5 t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！
+ N0 `/ M6 Q) o6 }lunik 发表于 2009-8-14 19:20

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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。

2 _# G& Z1 V: S1 g# S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!
; k7 {! Z# r  jmeijuli66 发表于 2009-8-15 23:33

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6 p* e, z! E" ]( j- f+ w" d& A; |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’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?”  
$ d6 n& p! @& _+ dThe 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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0 `; F6 P5 ~" R2 U7 M* Y' ]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.
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. Y% [0 Z* v9 N' kThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
3 [0 j% m3 v2 ~0 Y5 w! S, ~/ S年轻的心 发表于 2009-8-16 14:13

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* a2 Q: _" s9 S9 N7 }# Pthank 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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3年浮动 P+0.10%

2 }. R( c" H5 j5年浮动P+0.20%
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3 year  fix  3.39%
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4 N) ^$ A" E4 m6 t1 k& d4 year  fix  3.85%
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7 H$ |2 |" J* Q+ `) @: q( x5 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。