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：

# s1 o5 `3 h1 L, b! E3年浮动 P+0.15%
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0 S+ a6 I1 E& Y) g; B/ U5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%
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  g" {$ K/ p5 {( V% }/ C5 y5 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

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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！
  `8 _/ H0 w! U; Llunik 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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6 u* k; c) n( g. s/ [; }4 @; n% y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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- A" u4 j6 [6 ]: E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

1 e4 b) ?. _3 K% \2 Y. l& I Variable-rate mortgages are inching closer and closer to prime.
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6 `; \; R( s. o3 q) lThis 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.
You 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).
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6 F$ E* }7 m8 L- Q- }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

4 M7 G. }- c' Q& C' C Variable-rate mortgages are inching closer and closer to prime.

$ \6 K) J' {8 e" ~& @  S- X  MThis 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; C$ |8 M, J. e: N! ]) r3年浮动 P+0.10%
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4 k. e8 p* T" a4 K& o) [  a/ L5年浮动P+0.20%

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3 year  fix  3.39%
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/ a% N& h1 ?& P  w2 S! c4 year  fix  3.85%
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: E' D% y- Q' M- J8 p, E+ E* V2 x* ?5 year  fix  3.99%

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! a' ?/ S3 W# B4 G呵呵，需要的朋友请点击右边广告 Email 联系。