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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) X) o1 p9 j8 Z; T利率新动向：
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3年浮动 P+0.15%

5 l  ?. Y9 P( S( b4 R5年浮动P+0.30%

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/ K5 y+ A  |; w: m/ ?" m# i3 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

6 Y" f6 E8 Z6 N& }! L. Y. F1 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。

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!
meijuli66 发表于 2009-8-15 23:33

* n- u. w$ K0 z9 @' d9 SVariables Get More Competitive
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4 d) z% d5 R9 r* f3 W6 d( n- p) 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’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.
4 E# |4 g8 p- n$ j; h  c5 p! B$ tYou might ask yourself, “Why would I want a variable term under five years?”  
' F5 j. r5 b: c+ DThe 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).

What’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

: U: ?' V* ~. n7 g+ \& } Variable-rate mortgages are inching closer and closer to prime.
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+ V+ q0 }+ P6 H8 F7 G$ LThis 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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& l0 P! f- X; G( E6 L8 othank 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：

1 h4 q- n7 c* M0 [7 e2 ~3年浮动 P+0.10%
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% |# D5 _. G" ]: P5年浮动P+0.20%


3 year  fix  3.39%

3 ~5 Q8 ~( g1 L" l0 c$ ~; t; |4 year  fix  3.85%
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5 year  fix  3.99%
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; B% Z$ Y: [3 U% u! I呵呵，需要的朋友请点击右边广告 Email 联系。