利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

0 S1 [1 P8 W' B' L& V. @利率新动向：

3年浮动 P+0.15%
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; j! ^$ @  A2 }& f4 x2 f5年浮动P+0.30%


3 year  fix  3.39%
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; V# G5 ~& j; `6 S  J) p4 year  fix  3.85%

# [7 L* U5 y) g7 ]# y5 year  fix  4.09%
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7 y  T4 l1 R' Q! d3 D  F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！
# x  I7 [3 U- K* _( Ylunik 发表于 2009-8-14 19:20

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3 l2 B  K: B( b2 g4 R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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4 S. s- O1 ?# g% g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%

! v/ _* I, O: S; k- L5 ]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

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

5 ?! N2 [  m6 H' AThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

* H  `+ c( X! W9 Q$ C% @9 RMerix 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?”  
7 g# g: [2 m5 w. e6 EThe 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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0 B" l! |, U5 B$ oWhat’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

1 |2 Z  v* c- l: H' w* b 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’ ...
5 m$ I! t8 r$ J1 `; z! j. |年轻的心 发表于 2009-8-16 14:13

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) {- s/ X, Z6 \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%

5年浮动P+0.20%

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4 h; ?& Z' l/ \6 U( @- ?3 year  fix  3.39%
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4 year  fix  3.85%
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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。