利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

2 N8 p( d) }4 Y, a2 b; G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%

4 year  fix  3.85%
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9 t5 I  t5 R# }- G( F# B0 Q& ~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！
- v0 W' I5 o( e+ U& r8 A4 |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。

0 H( K3 |; D: X7 q) g$ e/ p; ?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%

9 K: c) a1 P6 O5 C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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7 l% q3 l. s( T' D& MVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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" a! W7 }; c/ d! V( w* j- rThis 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.
  Y8 s  L' i4 s$ [3 JYou 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).

7 b0 t% u, V9 h  m$ c6 L- u3 s2 E9 ~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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( w2 T8 M9 K/ q0 pThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
4 h( v# y& A$ ^' q2 `  X7 n, S2 k9 N8 o5 k年轻的心 发表于 2009-8-16 14:13

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% h) h! q0 F, }& Mthank 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%
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5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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* C  T4 B" Y7 S" A0 S5 B' W0 q呵呵，需要的朋友请点击右边广告 Email 联系。