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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' K/ _# i3 G  O9 K利率新动向：

. u) n$ @8 P7 o0 a/ Q! |3年浮动 P+0.15%
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5年浮动P+0.30%
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3 year  fix  3.39%

* h1 c' s! E$ v3 ?- x$ E7 B6 {4 year  fix  3.85%
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( m+ |$ V% Q# d) r5 year  fix  4.09%
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# Y  B, T  n* h7 u! S  J; 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！
. t, w0 l/ r5 [% P/ O5 Olunik 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。

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

Variables Get More Competitive
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$ a: n" s$ B* Z) P Variable-rate mortgages are inching closer and closer to prime.
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This 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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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.
7 ]$ N2 e: }# _9 j) hYou might ask yourself, “Why would I want a variable term under five years?”  
! J" H! ^$ Z; \* ^4 [" r6 _2 s& DThe 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
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( E  J- }+ ]& @: {1 O! J 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’ ...
( d- ~& H* L6 Y1 r, f* [年轻的心 发表于 2009-8-16 14:13

" b& P) o& G, q: g+ q- Mthank 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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" ^" U* j  ]. q. K; o  ~" P! d3年浮动 P+0.10%

5年浮动P+0.20%
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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。