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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: |& _: ]; r. e& w7 n# W利率新动向：

3年浮动 P+0.15%
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  G6 k9 ?& {/ E. C  \3 X- J5年浮动P+0.30%


3 year  fix  3.39%
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4 M0 h. o& g8 n, |- [% [" F4 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！
) l: o( N! ?2 ~7 C$ e5 K* Mlunik 发表于 2009-8-14 19:20

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6 L$ H# S; T$ X+ V. y1 N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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# F  J7 M; Y7 T" X( Y5 ?0 L& t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%

4 S  B. e& g6 o" I" J  S4 W8 k3 ~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

Variable-rate mortgages are inching closer and closer to prime.
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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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) o, E: l) C+ f: Y- |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?”  
- E3 p% b7 r5 |9 A: P# {# v0 VThe 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).

# z* U3 N) K9 oWhat’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’ ...
! a( W, v- q6 }' _* g1 |0 j) P年轻的心 发表于 2009-8-16 14:13

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, o% M' q" w- g% ^. ~8 Y6 e& fthank 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：

0 R$ s* z1 D0 w4 P3年浮动 P+0.10%

$ r& N; z8 ]) f7 g4 M5年浮动P+0.20%

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3 year  fix  3.39%
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, q. a7 `. I  K. `. V. m& }+ i4 year  fix  3.85%

) N. E' f( E4 G9 q) j- v' ^+ L, \5 year  fix  3.99%

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" Q$ C+ e+ S5 u4 A1 k4 a呵呵，需要的朋友请点击右边广告 Email 联系。