利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

- Z! T  T; D* s( L5 u. w7 R$ E. k- T利率新动向：

4 m. c, {  g: P) T3 `" Z3年浮动 P+0.15%
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: q4 a6 ]% |2 A/ v! C2 `. Y4 T5年浮动P+0.30%
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2 K2 ]/ K! @/ U3 year  fix  3.39%

4 year  fix  3.85%

: k2 [! P6 X3 y1 `+ Y1 k/ u5 year  fix  4.09%
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+ t  P+ c5 D1 ^) z) ?0 f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！
lunik 发表于 2009-8-14 19:20

, V. a# ^4 P9 G; e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!
+ @1 L' I  i9 x1 z9 gmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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& O6 p3 G' x2 i- k3 ]This 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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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?”  
9 J; Q- a8 [5 C2 i" 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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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.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
7 Q2 s# B) T: \0 T0 _年轻的心 发表于 2009-8-16 14:13

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：

( x( J8 x( r+ Y  r1 h5 f3年浮动 P+0.10%

$ X% D7 ^. s9 |8 G5年浮动P+0.20%
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3 year  fix  3.39%

7 t0 _' _0 I' ~4 year  fix  3.85%
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, T! p9 I8 ?/ F- |. ~) u/ Y0 K5 year  fix  3.99%


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