利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

6 `+ A3 c. ^) }利率新动向：

4 v7 W% O/ r: l0 [+ t3年浮动 P+0.15%

) ^2 v3 J, T8 j2 @5年浮动P+0.30%

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/ |3 ], y+ m* _9 B" s+ S3 year  fix  3.39%
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4 year  fix  3.85%

9 k# Q, w+ c2 ^. |/ ^8 Y! V4 [- f5 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

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%
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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!
' Q/ O4 J( q. f* ]0 t( wmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

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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8 R7 s8 z! _$ [: `% M' LMerix 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?”  
6 y; q9 A& ^+ Q  YThe 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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0 Z  e# L, g1 @+ c  mWhat’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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' k7 j$ D0 {7 d3 E0 s 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’ ...
  ~6 Y6 W0 `8 }% K( c7 h, k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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3年浮动 P+0.10%
; t4 y4 p6 N$ T+ a4 P
3 b1 L/ ~+ z1 h; ^0 H' S2 M$ U5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

0 B6 k9 U4 b# ?2 S: t2 z5 year  fix  3.99%


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: u  w# y$ M8 |# J6 |呵呵，需要的朋友请点击右边广告 Email 联系。