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：

3年浮动 P+0.15%
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+ b# R8 M: u& k5年浮动P+0.30%
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2 ?( u" i5 w5 }/ y* O3 year  fix  3.39%
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% O) T3 j1 ?7 b# [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

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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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( E, S7 S3 t. D6 ]3 ~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。

) A! N( ]/ r! E5 S# H1 q5 x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%

/ _- B/ q2 B, n5 R. z9 O( E0 R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!
: O9 N/ H( W% P5 i' {meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

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

. S5 X( A% j7 d& w, 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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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?”  
2 w# r( w. V- P1 a+ S- wThe 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

Variable-rate mortgages are inching closer and closer to prime.
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- N9 E8 Z4 z- |; Q; XThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
( Z6 o( a& z" Z) X& F4 [6 o3 w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：

3年浮动 P+0.10%
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5年浮动P+0.20%
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; V5 Y1 F3 T: \3 year  fix  3.39%
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  @8 @5 m# }0 K5 `* E% X4 year  fix  3.85%

$ X0 T! Y8 f/ v1 ^5 year  fix  3.99%




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( B. |# h& M: o呵呵，需要的朋友请点击右边广告 Email 联系。