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：
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& T& O; i: i# N! @5 C2 m7 p3年浮动 P+0.15%

5年浮动P+0.30%
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4 l/ S7 h( m$ e) Q3 `5 z) s3 year  fix  3.39%
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# P& @. J0 R8 T- v4 year  fix  3.85%

; f% k; v/ I& L% M5 year  fix  4.09%
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1 U' `6 _  I+ w" d/ q0 Y1 t# R+ o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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
& U' e1 Z; N: l4 C1 f: N, Mlunik 发表于 2009-8-14 19:20

% r" z8 R# [4 d3 `! T, U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。

$ b5 E, u& g/ D+ c  O( Z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

Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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/ {/ j6 j1 L5 a5 r" wThis 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?”  
) Q8 c* ~, a1 r+ q9 d' d% W; hThe 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).

$ H! q0 q+ f5 g* f, R& vWhat’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.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
  t7 L; G7 P2 _0 t年轻的心 发表于 2009-8-16 14:13

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5 l: K5 i" p1 M8 `% y  ~0 ]5 Hthank 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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0 b% c0 n5 f* t3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%
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3 U' E  }3 D  D9 C; h0 O4 m7 C5 year  fix  3.99%

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! I: e6 P, M; h) [呵呵，需要的朋友请点击右边广告 Email 联系。