利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

8 H2 O" Z* Q2 I1 M9 y8 b0 ?利率新动向：

3年浮动 P+0.15%

' [4 H; P, `2 F* \7 t! W+ ?/ U3 f( m" v# j5年浮动P+0.30%
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8 k* s3 ~6 R+ k$ j' y3 x3 year  fix  3.39%

' `* R' _( A0 e2 T8 i& z  }4 year  fix  3.85%
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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

' x" K+ C% {2 T3 p( U) x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!
3 |+ J, U3 e/ ^9 I) r+ gmeijuli66 发表于 2009-8-15 23:33

# k0 _) y) F3 TVariables Get More Competitive
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# G8 |9 \1 A" _0 s1 f( s7 w 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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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.
3 k9 p3 X3 ^1 \/ w( [% n" W" HYou might ask yourself, “Why would I want a variable term under five years?”  
8 e+ g7 q+ J: GThe 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
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Variable-rate mortgages are inching closer and closer to prime.
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% ~( f9 @5 f. S! I) F& PThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
; Z5 e* i/ H* d6 q! n( v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：

3年浮动 P+0.10%
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, g9 x+ U5 [+ `1 |4 O% f5年浮动P+0.20%

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! i& n+ J* W0 p' q3 year  fix  3.39%

  X/ `- c# f% ~5 c( k# F4 year  fix  3.85%

; T0 i9 c- C( B$ T1 K+ G5 year  fix  3.99%
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: f8 v9 r2 Z: d9 g; n- X* y* h% o呵呵，需要的朋友请点击右边广告 Email 联系。