利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

0 l( O) w  I/ G% \/ E# P利率新动向：

, }0 O+ O3 K) P" O% f3年浮动 P+0.15%
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- t: i# V9 x' |; ?5年浮动P+0.30%


3 year  fix  3.39%

7 ?5 `" N) I/ H# Q+ m1 C4 year  fix  3.85%

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

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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。

7 z/ X+ i1 F4 K6 @) C6 E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

Variable-rate mortgages are inching closer and closer to prime.

7 u" ]1 u" m! G& L% u! P5 vThis 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.
0 ^& {/ E" f% k- ]$ GYou might ask yourself, “Why would I want a variable term under five years?”  
' c3 ]: N/ }" n& V+ J8 qThe 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
3 k* j, Q7 C) ]/ B) ~0 B6 o' T: Z$ e
! V: M3 u, Z3 N Variable-rate mortgages are inching closer and closer to prime.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
& F3 D7 ^+ U7 u年轻的心 发表于 2009-8-16 14:13

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7 `$ @* n7 s+ d6 ~  Q8 S7 c1 S; fthank 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：

' p, y  x; o' }2 w1 B: T- R3年浮动 P+0.10%

5年浮动P+0.20%


3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%
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# i" b7 D. u+ m0 u  x4 Z( ?呵呵，需要的朋友请点击右边广告 Email 联系。