利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

# U4 P! @" w9 U% b6 {利率新动向：

7 O$ K. g  o6 i3 ~$ w- p. q2 r3年浮动 P+0.15%
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, }  S& R+ V/ j* O, ^  X) q) g5年浮动P+0.30%
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; @; J# l1 w$ T9 {1 ?. F! }9 C3 year  fix  3.39%

# `$ t6 A# U" n4 year  fix  3.85%
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5 year  fix  4.09%

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: G% G3 z6 d$ y' \( J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。

5 ?/ j# t, q3 L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%

9 I" R# g2 L( k0 N% n0 W/ Z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!
! ]/ F5 p+ _4 X) lmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

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.

3 L4 T. o7 v  f! J2 \: ?" d5 d/ P* p7 WMerix 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.
/ F$ u% q7 l2 x4 T% u% 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’ ...
) m, L8 m. s7 L5 ^6 x' L' e年轻的心 发表于 2009-8-16 14:13

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6 I& A5 s9 C6 s9 H% f4 K+ Dthank 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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3年浮动 P+0.10%
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& A( ?% Z3 Q* F: [5 }# i% U7 N% T5年浮动P+0.20%
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! }! u% o9 l6 G3 year  fix  3.39%

3 {. h) X6 u3 X  _9 K8 K: P4 year  fix  3.85%
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5 year  fix  3.99%

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呵呵，需要的朋友请点击右边广告 Email 联系。