利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

# {# C# w/ M  c利率新动向：
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3年浮动 P+0.15%
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5 D" ?3 [" t: Q1 K. ]7 D  d; F5年浮动P+0.30%


! M! r, M6 s; K1 z& ?3 ~3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  4.09%
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  D5 {1 m: \% a; f9 N0 o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

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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！
lunik 发表于 2009-8-14 19:20

, d$ {2 K8 v! }( D4 Y) j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%
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$ ^( t3 x. u: t1 m" c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!
  z; o, k. H  {4 Emeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

$ \1 x/ d9 b( C% C# zThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

9 b3 e$ d1 _& _! C" ^3 NMerix 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.
/ [; z3 @8 I8 }9 |You might ask yourself, “Why would I want a variable term under five years?”  
& Z$ V8 o5 a7 U5 l1 P/ [" rThe 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.
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2 z& X5 u9 U; {6 R* KThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
1 W" m9 F2 s( Z" p  n2 \年轻的心 发表于 2009-8-16 14:13

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. {( i: Q, N/ w6 I; Ythank 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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0 ?0 Q1 A4 W1 n& Y1 l6 |* H3年浮动 P+0.10%

& Z+ Z$ {8 J' E' r' ?5 }. z: h+ T" m5年浮动P+0.20%

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% r% Y' J$ s* U& n$ F8 S) n3 year  fix  3.39%

0 |/ p) |4 C! N" }4 year  fix  3.85%
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4 r) a1 C7 m2 p5 year  fix  3.99%
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