利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

( C7 w* p8 G- v" @' W7 @' b* E7 F利率新动向：

+ V5 F* Q0 N8 e* }$ R9 y4 k! o3年浮动 P+0.15%
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4 u' R5 y2 Y% Y5年浮动P+0.30%


3 year  fix  3.39%
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4 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

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

& N" z1 ]+ H1 \& I  x& U$ e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。

6 T9 e& u; S+ a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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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!
9 v  ]; Z3 ?2 pmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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/ x- A4 U' l3 ~) k* w 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.

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.
7 z, {: I8 H: u" `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).

* A; ~) l+ l! S0 sWhat’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
" r: [# b: t) l* d) H
  i* P* Z2 g5 o9 Z  G 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’ ...
年轻的心 发表于 2009-8-16 14:13

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: a' `+ R$ Z- {' {* ithank 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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8 f. L2 T0 \' Q( ]4 P  l2 P3 W6 b3年浮动 P+0.10%

5年浮动P+0.20%


3 year  fix  3.39%
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4 year  fix  3.85%
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7 D: Y1 D* @$ i( ~7 ^& ]9 I5 year  fix  3.99%
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5 L& |3 G* V/ P; @+ `呵呵，需要的朋友请点击右边广告 Email 联系。