利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
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3年浮动 P+0.15%

  e" e, s9 U, Y, x, m& A3 S5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%

5 ]# p) K1 _8 a* N- ]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！
, U! f/ G5 ^* ~6 l/ Qlunik 发表于 2009-8-14 19:20

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5 D3 F5 J/ h0 u' Y' t% n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%

' u* i) J; w+ r3 `0 h. F0 y$ O+ {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!
/ t" ~! J* A2 j2 U/ C+ ?6 D- Umeijuli66 发表于 2009-8-15 23:33

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$ X. V3 K- c& H' C4 P* Z% _Variables Get More Competitive
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# k9 y$ V! x/ q Variable-rate mortgages are inching closer and closer to prime.

. k7 T3 r' ]9 f% PThis 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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9 H* T: ~. Q/ u* EMerix 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?”  
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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/ W% H2 J3 ~+ W( n: m* \5 P- gWhat’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.

+ u' Z  X7 Q7 c7 JThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
6 ]- h, C  y4 k0 S. F年轻的心 发表于 2009-8-16 14:13

1 \, O  o1 _4 [8 B3 Y+ vthank 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%

7 e9 a- d/ [$ \5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%

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) Q9 E- V0 [8 v; L2 u! w呵呵，需要的朋友请点击右边广告 Email 联系。