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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; R9 V8 W( a" V9 Y8 q& p利率新动向：
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( F8 ^# ?3 e0 \& K( \5 c1 m; ?# t3年浮动 P+0.15%
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4 V: _$ ~# \7 M# L5 C: U5年浮动P+0.30%
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$ K5 t3 l' q. G; \& v. Q7 l3 year  fix  3.39%
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4 year  fix  3.85%

0 O0 n2 ^% T4 Q" ?/ G7 Y) q5 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

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。

% y% k6 ^( P. ~- D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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/ G$ F% b- H! j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!
- V" ~) u7 D$ xmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

6 F# R' J- @7 C( r* h2 E. s% \ Variable-rate mortgages are inching closer and closer to prime.

( P; {4 ]- d) T# ~/ i* LThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

+ p3 l' b; N/ W/ L  J  O$ f4 KMerix 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).

' }+ q* V* I5 p( dWhat’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

% G5 D8 ?5 I! V+ }& [ Variable-rate mortgages are inching closer and closer to prime.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
) r( Y' B4 U: z- p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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8 u) c$ j" G3 n: e$ M5 Q' F3 year  fix  3.39%
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4 year  fix  3.85%

& ^& `  X/ l5 s0 _5 year  fix  3.99%
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, W8 s) _) u* Z0 L: @' j" b1 a! w. I呵呵，需要的朋友请点击右边广告 Email 联系。