利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

5 ^. d: S$ i% ~利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%
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) l6 V5 }2 v! r2 E2 T4 year  fix  3.85%

3 E# F) d# q: F1 C6 n; ^* f5 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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
- V4 q" Y+ ?% `! y5 Olunik 发表于 2009-8-14 19:20

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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* g8 r1 H0 h' }% j8 q& W2 y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%

. i) D# k5 t2 j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!
+ ]2 }; C/ B" G& N: cmeijuli66 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.
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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.
You might ask yourself, “Why would I want a variable term under five years?”  
1 d. u5 Y8 Z# F. F7 P+ bThe 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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5 U4 ]0 e/ r9 l9 i! A- ~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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Variable-rate mortgages are inching closer and closer to prime.

( k% c" @- z+ K) e4 V' }! R( @! I& jThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
+ I' o: k) y+ s$ h* f年轻的心 发表于 2009-8-16 14:13

4 B" y: l% N8 T% Wthank 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%

/ e& ^9 Y* c% B5年浮动P+0.20%

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7 B! C! `4 X8 a+ M3 ?3 year  fix  3.39%
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% I( t" X5 W$ J3 V9 f* A4 year  fix  3.85%

5 year  fix  3.99%
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  m$ l  L/ a4 _6 g0 K# @呵呵，需要的朋友请点击右边广告 Email 联系。