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%

5年浮动P+0.30%
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8 f8 V) l5 i6 S/ b: q7 v& ?; @3 year  fix  3.39%
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4 year  fix  3.85%

2 F  H- z" j! J8 H5 ^5 year  fix  4.09%

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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

, }0 Y; r8 O# F1 E' G; l% k. p6 b2 H* B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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! \& a  q" j* u5 `& `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%
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! z/ @8 `! I; K" X1 n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

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Variables Get More Competitive

* }4 e5 c9 C$ G, d3 w7 B Variable-rate mortgages are inching closer and closer to prime.

2 ~( {4 L, T7 m- L( CThis 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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' `  F# L' m% z/ eMerix 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 {0 l8 O) x# D: m- @# C" L. JYou might ask yourself, “Why would I want a variable term under five years?”  
- A6 f) A  \, g, G5 e9 tThe 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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7 x' ~' K/ Q4 O: W% wWhat’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.

. a3 A$ D% H7 r! r2 P) HThis 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：
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+ I4 g- K& `. E3年浮动 P+0.10%
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) Q# X" q% c) D0 v# q! c& e( w7 a5年浮动P+0.20%


$ L: b: d3 {3 z& c, P3 year  fix  3.39%

- F8 B( @6 q3 D4 year  fix  3.85%

5 year  fix  3.99%


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. E) t+ L4 p, U3 a呵呵，需要的朋友请点击右边广告 Email 联系。