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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利率新动向：
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3年浮动 P+0.15%
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5年浮动P+0.30%

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% L% V* z0 F, Q+ a" p4 z; b1 h5 Y# x3 year  fix  3.39%
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& P2 e/ [* N2 c' K2 k+ Y/ `9 P4 year  fix  3.85%

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

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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。

- j4 M4 `/ w) C! X/ G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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' T+ _/ {6 g2 N4 f/ ?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
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! Q  Y6 q6 |3 r4 p Variable-rate mortgages are inching closer and closer to prime.
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& L! U+ v' i. P1 ]' i; d, JThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

/ H! H4 b+ U) HMerix 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.
3 V  P0 U$ q  k2 EYou might ask yourself, “Why would I want a variable term under five years?”  
0 ~% l% ?+ K( a" C6 j  s5 p6 e, ~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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" d3 N; ~6 y: Z. P+ x, `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.
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" c0 V8 H  e# s% @/ h6 NThis 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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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：
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! X/ z$ h: u8 b& k3年浮动 P+0.10%

5年浮动P+0.20%

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3 year  fix  3.39%

9 }. a* B3 U, O  l- {9 Y& O! K4 year  fix  3.85%

0 I- z3 l4 x, C5 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。