利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

6 \, ]! V: g+ s0 `1 G  h* p* Q利率新动向：

3年浮动 P+0.15%

* r( Q7 a0 Y9 t0 i5年浮动P+0.30%
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3 year  fix  3.39%
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$ q+ Y7 q5 I9 Z4 C. T3 n4 year  fix  3.85%
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1 G1 x4 I5 b8 I! j5 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

7 r! ~/ m3 c' y' J3 f8 c. I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%

+ c0 F' D% U5 F, G7 I3 Q/ H0 {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!
' r, c& x, n; E8 ymeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

; {8 Q3 M9 G) N1 [ 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.

# E0 V8 B: S7 I8 xMerix 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.
8 W. v, V4 S) C5 w6 s0 L5 DYou 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).
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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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  e% K& T; A1 }+ n% R" u 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’ ...
* _. a6 k8 m7 P2 t% g; ^2 I* p年轻的心 发表于 2009-8-16 14:13

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) g) B3 M) e( x2 S& Uthank 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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3年浮动 P+0.10%
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6 `0 q# i' h7 ]' \! |6 ?5年浮动P+0.20%

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3 year  fix  3.39%
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4 year  fix  3.85%
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* ~) _$ A# x7 T8 U5 ~& z( l' [+ J" F0 c5 year  fix  3.99%
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1 }, u  f8 g2 W7 M呵呵，需要的朋友请点击右边广告 Email 联系。