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：
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3年浮动 P+0.15%

8 K! ^8 }9 C0 f1 B; s5年浮动P+0.30%
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2 z& B0 i) u  s3 w( \6 z3 year  fix  3.39%

4 year  fix  3.85%
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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！
6 y$ |, Q  W& s1 \5 b+ T  Vlunik 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。

) U; p8 f$ A* K$ n! w/ S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!
# f8 |. G3 q/ `9 O+ a+ |& Nmeijuli66 发表于 2009-8-15 23:33

5 v2 _# \* [, LVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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& H* X3 Q$ r5 XThis 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.
8 k! I5 C' k  k0 p" G9 }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).

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.

  T5 G5 d/ k# ]: I- L& `& q" CThis 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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: D/ U% K# w) t/ Z7 X( S0 r7 o. zthank 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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' e: a6 T3 |$ N- Y2 U5年浮动P+0.20%


3 year  fix  3.39%

  V0 F1 B* v6 b* F/ }4 year  fix  3.85%
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5 year  fix  3.99%

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* Z; K2 Q; b6 {: S" e4 H& Q( S0 j! a7 M呵呵，需要的朋友请点击右边广告 Email 联系。