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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/ \- t& ^- n( B4 R+ N1 Y# M利率新动向：
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3年浮动 P+0.15%

" @) E7 p8 \5 G3 B) P5年浮动P+0.30%

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1 Q, w2 i8 Y2 l, E! S3 year  fix  3.39%

" \* m- g3 D; z) c4 year  fix  3.85%
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5 year  fix  4.09%
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% q, z0 ~) h" ?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

; w- C- O) t$ v1 |; A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%

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

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Variables Get More Competitive

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

# H( G, d! g) g$ e6 bThis 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.
* _# w9 z; z# o) wYou 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

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’ ...
年轻的心 发表于 2009-8-16 14:13

+ G6 b/ {, I+ T% @  U! e- I$ jthank 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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) E: L7 Y& t% k3年浮动 P+0.10%

+ D' ^9 ]# G* S, H1 P- v9 C5年浮动P+0.20%

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. g. d, q' m' Q: a( V+ U! F3 year  fix  3.39%

  \4 n. G! W5 d/ k, u, d7 G; E4 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。