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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* N7 m- x& B2 ?9 o2 O/ c: L利率新动向：

4 X4 ]  i9 f$ P, T" [3年浮动 P+0.15%

$ |+ X/ \7 t0 y; H8 J) D- D5年浮动P+0.30%
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3 year  fix  3.39%
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/ v1 O3 C" C# E) W8 F( F0 T4 year  fix  3.85%

5 year  fix  4.09%




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5 w/ H! o$ b) c2 M呵呵，需要的朋友请点击右边广告 Email 联系。

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

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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。
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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!
, L+ L& H) {# Vmeijuli66 发表于 2009-8-15 23:33

8 h+ G5 B( ^" ^% C6 b$ Z, _/ QVariables Get More Competitive

$ Y: Q7 ]/ I  N Variable-rate mortgages are inching closer and closer to prime.
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" n+ @0 o+ c  }  iThis 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.
You might ask yourself, “Why would I want a variable term under five years?”  
% r+ g' i" W3 `& AThe 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

Variable-rate mortgages are inching closer and closer to prime.

# E, K1 V- v! `! Z, @$ 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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  J  f5 u6 b9 Q$ Dthank 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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& v3 C/ H; V; Q4 o; m$ H3年浮动 P+0.10%
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* i, U0 n# Q: L7 ~' f! {! h  Z5年浮动P+0.20%


- \( J5 K* l, q* i% Q+ ?3 year  fix  3.39%
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/ V, N% U5 r9 ^- K4 year  fix  3.85%
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( R; P. F- x" q/ w7 }5 year  fix  3.99%

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