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：

3年浮动 P+0.15%
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5年浮动P+0.30%

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4 \7 h' C4 r# a( \4 g. e! X( p3 year  fix  3.39%
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6 Z' p. x$ D; |3 L, ]) y4 year  fix  3.85%

2 B( ~# S1 ~! d" b( W- T" Y5 year  fix  4.09%



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5 |. e; C. m: L# J9 _( \  }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！
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。

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!
meijuli66 发表于 2009-8-15 23:33

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! A  k; t! t3 n1 v& K' kVariables Get More Competitive
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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.

3 ^, T: A5 r* DMerix 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.
  y# b9 Z5 l5 L. K2 z) @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).

7 Q7 h5 b4 J& ^& J% JWhat’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

1 n# H8 E7 N3 ?* }  X Variable-rate mortgages are inching closer and closer to prime.

: P1 R# S& w. x% Q- sThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
5 Z- s2 P. s" t$ w年轻的心 发表于 2009-8-16 14:13

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- L7 r, O0 `; v# A$ @0 Qthank 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：

* W5 m5 b  N) {% B2 x) H  \. W3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%

4 year  fix  3.85%
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5 year  fix  3.99%

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