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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  B7 V; O$ T5 u1 ?3年浮动 P+0.15%
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5年浮动P+0.30%


5 h1 n! P- }7 `) d3 year  fix  3.39%
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5 g+ p$ ]1 ]: D4 |, C) N3 k4 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

/ [- j( d* p9 E

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%

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!
* s1 E) m  @1 y" l4 ~# b! a9 dmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

: h1 s6 V4 G, j$ e3 [This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
$ U, N' c/ S1 t& X' j1 EYou might ask yourself, “Why would I want a variable term under five years?”  
. Q9 [! R7 q9 x; t% J/ a% r2 W4 V" [( GThe 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).

0 U0 ?- e3 m0 ?( B7 I/ @4 e; tWhat’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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* c/ m' q; N1 ?$ D4 q* M  w" s  d 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’ ...
年轻的心 发表于 2009-8-16 14:13

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" ~0 f6 G7 [# G3 m6 `4 |) C! [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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- k) M- J; S4 }  P! M  E3年浮动 P+0.10%
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5年浮动P+0.20%

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3 year  fix  3.39%

5 o: X+ j$ a2 f$ b4 year  fix  3.85%

( ^6 E# r( u; l  f) B7 H! k5 year  fix  3.99%
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7 V& m# G) ~8 Z# Z呵呵，需要的朋友请点击右边广告 Email 联系。