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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. q4 a) \4 s7 Z1 f利率新动向：

3年浮动 P+0.15%
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' l$ N- o9 N- `: G. g5年浮动P+0.30%
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3 year  fix  3.39%

/ n4 z7 g* j* w- G; P" t4 year  fix  3.85%

9 h8 k- }! i0 |2 i; X- D! Z5 year  fix  4.09%
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+ D0 n1 d+ H% a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！
: _) ]6 e9 l. {+ r  @$ L! vlunik 发表于 2009-8-14 19:20

+ H1 l, D" u( W: E4 Z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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5 V  Y0 z0 X  c/ Y' U! T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!
% [7 l% b# V7 C6 n# ^5 r' [meijuli66 发表于 2009-8-15 23:33

. L' D7 D. _  |" cVariables Get More Competitive

& @5 O8 j- z- m2 @ Variable-rate mortgages are inching closer and closer to prime.

, H+ x% s9 _. X5 UThis 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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* C9 {, ~3 D9 E; N! X4 kMerix 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).

. O# H4 |! W7 R1 j9 a4 XWhat’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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. s/ _! J& k" n- r  n9 A0 n- W Variable-rate mortgages are inching closer and closer to prime.
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) u* E: n* s* L% IThis 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

' y3 i4 j8 T/ l7 h+ V5 |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：

0 y8 e5 H1 E: p  w* r# X' j3年浮动 P+0.10%

& O2 C9 m# M' K5年浮动P+0.20%
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' A6 v- b- P) {$ Y* W3 year  fix  3.39%
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% @6 c/ S0 n7 ]$ ~& Z4 year  fix  3.85%
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5 year  fix  3.99%
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