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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% T+ e+ y4 S1 d& c& R$ _; k利率新动向：

3年浮动 P+0.15%

6 r" k! |/ c' Q5 J5年浮动P+0.30%
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3 year  fix  3.39%

; u, Q% }  s1 ^0 N$ S4 year  fix  3.85%
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, {' K  C) X7 m: |. t5 year  fix  4.09%
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8 Y* k: N% a) C5 W9 T; w4 b/ 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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
1 a, [0 g0 \* v% h) C+ _% ~lunik 发表于 2009-8-14 19:20

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2 ?2 W/ r( I: v1 z9 W* w2 Z5 c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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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

( {, o4 P& v% t1 X( h) y& W: Z& U' y 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.
& H, H& @: f, e3 I  bYou 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).

! Y$ T7 Z6 ]) J# t  oWhat’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.

This 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：

$ r' H2 I  ~/ e1 |- x3年浮动 P+0.10%
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5年浮动P+0.20%


3 year  fix  3.39%

& B/ T, Y$ D9 @+ }! U0 h4 year  fix  3.85%
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5 year  fix  3.99%
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