利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：

3年浮动 P+0.15%
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. b/ Z6 l8 H' D# q4 Q: ?% ]5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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8 W& [, [9 j/ W0 I% `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！
) g# m  Y1 H. R6 r/ ulunik 发表于 2009-8-14 19:20

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。

' J+ R0 B5 [2 j' J7 [" {$ K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!
8 N; g1 i7 V3 D) L: P) v) c/ y1 ~7 {7 Kmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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. ?% G+ y# g3 d' Z4 w+ y- VThis 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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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

3 I( n4 r. h2 ]0 y3 j Variable-rate mortgages are inching closer and closer to prime.
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6 S) J% \5 y, `3 xThis 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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, C+ k( N$ E4 b3 E' x9 q. Lthank 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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0 T) J, Z, B5 k( ]2 N4 u, l3年浮动 P+0.10%

5年浮动P+0.20%

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3 year  fix  3.39%

, \5 L0 @$ X+ B! Z+ N1 U4 year  fix  3.85%
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5 q: p+ G+ e$ [3 k7 {5 year  fix  3.99%
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! b, [. P  x" L: g+ V呵呵，需要的朋友请点击右边广告 Email 联系。