利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

9 d) w# @' b/ |; D利率新动向：
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; d4 f' \7 \, ^" e- P; r- C3年浮动 P+0.15%
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) C2 n5 \5 s- f3 }2 H5 \5年浮动P+0.30%


; t* A: w5 i8 w8 E  V3 year  fix  3.39%
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5 v" O# }# z1 v) c7 y  L4 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

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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！
lunik 发表于 2009-8-14 19:20

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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。

7 g4 q9 ^4 P9 h" V' }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

Variables Get More Competitive

  Z( _( Z7 U4 S$ | Variable-rate mortgages are inching closer and closer to prime.
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) v% |+ ~; s; e8 B/ y' jThis 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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" a$ y3 B# R' F3 J' u/ Q( b) GMerix 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?”  
9 Z0 V) s- F( Q# O+ qThe 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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Variable-rate mortgages are inching closer and closer to prime.
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8 N6 F! S7 E3 w0 i+ v9 QThis 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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: R4 D) A* }# x$ V  ^6 ^' Nthank 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：

" h. R6 ~3 O7 ]" I& N- ]$ u1 k3年浮动 P+0.10%

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%

5 year  fix  3.99%

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呵呵，需要的朋友请点击右边广告 Email 联系。