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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) H- j8 D. g, r4 d0 I3 t5 i0 Q- N利率新动向：
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5 {* D: B1 h' I3年浮动 P+0.15%

; [9 Q3 b, X- D% Q5年浮动P+0.30%
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3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  4.09%

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- a& V& G' k; A* U3 }3 s. f5 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

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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！
lunik 发表于 2009-8-14 19:20

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: q3 r3 w  n: j! ]5 a; Q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。

# f) U: F8 \# u% F/ ?7 B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

2 n" P9 ]+ W4 N( w2 q7 Y- N, sVariables Get More Competitive

4 H" C4 @/ B' |$ ?6 E! ~' o Variable-rate mortgages are inching closer and closer to prime.

1 g' f& \& l% s$ uThis 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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! F  W" b! }1 t4 D( nMerix 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?”  
0 `; N: s8 T. s$ {; U) `/ _6 l: b8 W$ 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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( |. m$ D0 l% Y0 ~$ W. {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.
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& a% \) D- z: X4 wThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
, v' P6 I! p( G, y  ^/ P7 U0 [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：
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1 q' w5 C0 O; t' c0 m7 L3年浮动 P+0.10%
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5年浮动P+0.20%
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. y% o6 @, U8 T9 R8 _6 Q5 g- L3 year  fix  3.39%
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) I" u0 s0 G5 Y, s7 F5 U# r9 f4 year  fix  3.85%
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5 year  fix  3.99%

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呵呵，需要的朋友请点击右边广告 Email 联系。