利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

! @" b0 _$ M: g) O7 o8 d利率新动向：

$ n+ ]6 v0 q' m0 Q8 P8 z7 d1 Z$ D3年浮动 P+0.15%

5年浮动P+0.30%


3 year  fix  3.39%
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1 m% T' e$ c" q) K4 year  fix  3.85%

0 h& u4 {8 Q' p- q( Z5 year  fix  4.09%
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. C( F  S% H3 ]* a$ b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！
) b5 L8 q, e% W, k6 `, Flunik 发表于 2009-8-14 19:20

; [- H. e& h6 A5 e2 f5 M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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/ P, g1 @) C' W# 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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2 X( O2 i$ M; V* v) m) @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!
6 i2 c% b9 W8 l% V8 g# j% f$ |. Omeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

+ r9 R  F. P2 y4 k0 \  [. _ 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.
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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.
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).

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.

# P1 @# O9 W, K& @  x+ A% d" i4 vThis 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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9 R' A$ C& \3 V3 P7 o9 Cthank 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%

5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%

& @& l% ^' Q6 I5 S5 year  fix  3.99%


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