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：

, B, ?# a% d3 B3 o* n; @. z2 a8 g3年浮动 P+0.15%

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( X0 x$ V) N* g% h- H8 u* S: i& |3 year  fix  3.39%
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4 year  fix  3.85%
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) p' h; }  f9 ]& h8 ?+ D" y4 t5 year  fix  4.09%
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: q: R& g( 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

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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 [% \4 q) L" L9 _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。
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, y  {3 I! w7 i1 E, ~- x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%

) F, n! a; a- z8 ?  |" F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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5 J* q, G3 S! LVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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) t+ d# j$ P' g7 C" g4 X$ W2 hThis 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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( w0 `% b. {& C" vMerix 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.
- j7 _9 v7 V  ZYou might ask yourself, “Why would I want a variable term under five years?”  
5 L8 x0 {4 Y7 @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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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
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$ J! F+ N+ l. w- `8 S0 q Variable-rate mortgages are inching closer and closer to prime.
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# x8 @3 }# y( m3 x2 A5 w1 QThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
! |6 H4 q2 [- w7 Q0 {年轻的心 发表于 2009-8-16 14:13

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8 X5 I# P! O  f  R( O! h2 Uthank 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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8 [7 O7 ~0 t8 N6 H$ W1 e. U5年浮动P+0.20%
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1 T" W) \' x4 s7 a9 [3 year  fix  3.39%
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0 D4 F5 v, T" v4 Y5 g$ o) k) f- ~. ?- g4 year  fix  3.85%
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4 k6 t. b$ \5 {/ J7 L$ w6 ^5 year  fix  3.99%


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