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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# ^0 ?1 T5 F; _( Y5 z利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%

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5 B6 F! m: i1 j) H3 year  fix  3.39%

4 year  fix  3.85%

; l) u& E- e( c; z5 year  fix  4.09%

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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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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。

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!
7 C  O+ p; h- U) Umeijuli66 发表于 2009-8-15 23:33

' `' ]8 G3 j4 f/ h. eVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

This 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.
4 r# k$ W% W; j8 q5 Y0 {& f$ sYou 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
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Variable-rate mortgages are inching closer and closer to prime.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
$ V( x' i8 z0 ~# X$ L& T年轻的心 发表于 2009-8-16 14:13

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' t: T, U0 m) T7 I5 M; i' ethank 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：

* U4 n5 l6 m6 u- S  L" v3年浮动 P+0.10%
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7 @( d2 }7 j: F; n6 g) e# N0 s5年浮动P+0.20%
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) t3 _5 r% C$ R+ C( E# H' ?1 \3 year  fix  3.39%
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4 year  fix  3.85%
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. D  x; T$ P9 ^' X9 O3 T; i5 year  fix  3.99%


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9 N' N3 s1 F2 r# m, O7 ?呵呵，需要的朋友请点击右边广告 Email 联系。