利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

; v3 E: c6 h$ G* ^; F* ]( ]& {. g利率新动向：

3年浮动 P+0.15%

7 w- |8 t9 H1 b3 w/ u) w! g" c. g3 ~5年浮动P+0.30%

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3 year  fix  3.39%

" ?7 Q. f) X5 R: `% |# ~' _4 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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! f* x2 e$ x# F( r2 P- 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。

2 g3 E2 Y, n/ l; v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%
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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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Variables Get More Competitive
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" K) S& w" J- q  u5 X Variable-rate mortgages are inching closer and closer to prime.

5 C6 |# z5 O& R/ _: FThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

* p+ o& \% G2 r7 F+ RMerix 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.
$ V% z! e4 a8 Q3 T# 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).

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

' @1 f5 t, E. p& i: W% A! D! ^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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2 z9 N  E8 ^8 N6 q) Qthank 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：

3年浮动 P+0.10%

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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/ m5 @8 S& {5 I( M- z呵呵，需要的朋友请点击右边广告 Email 联系。