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：
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3年浮动 P+0.15%

+ L& M" Y( w. F& C5年浮动P+0.30%
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1 Q5 J1 G9 a3 [2 W2 y3 year  fix  3.39%

4 year  fix  3.85%

7 ^4 _* @# Z7 r5 year  fix  4.09%

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# `4 q" V( m7 m/ a0 }/ O" C. P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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
) B+ v1 t' r: q0 [lunik 发表于 2009-8-14 19:20

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+ W2 I' w  X1 S/ ?% s) g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。
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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%

5 w5 n, ~& n% _$ d/ p6 x3 Q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!
meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

; l+ t( f. @$ e9 C/ ]& Y- WThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

4 w! U! E0 T# @. _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.
9 ~) m0 |: d& xYou 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
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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’ ...
; e0 E/ z  P0 H! t+ A, q; r年轻的心 发表于 2009-8-16 14:13

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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8 ]6 v7 l( E# A# k1 l8 E5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%
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2 b2 U6 \4 T$ n; L* e2 S, e4 q. r5 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。