利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
: X5 I  D9 p+ `
; M5 |% x; L1 g0 b, O3年浮动 P+0.15%
3 D/ N: s0 L8 }# j( A" V
4 w4 v0 ?/ T, Q5年浮动P+0.30%


3 year  fix  3.39%
2 m9 b) |  Q2 j1 G' u- B( @1 U" T& v
4 year  fix  3.85%

5 year  fix  4.09%
: l1 }* L" V- `5 \. y$ }' _' Q
% M% ]3 O% ~% \$ H4 }( _2 g
* a/ G+ B* i- e( e" V" h


* W: [- K7 k. W8 M' q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

2 O/ j7 }9 l5 s8 v% Y0 }  f# R
* K% R! B5 `" t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。

6 a; U3 o0 a& g, x3 N4 H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!
# ]* R. ?4 J& R4 C4 `4 Bmeijuli66 发表于 2009-8-15 23:33

5 ^' w& w  h7 R
Variables Get More Competitive

2 ^& F! ?$ g% g2 ?. o0 K 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’t been this low since last fall.
; w2 s7 M1 V6 r) j; a2 i
# f7 H3 u" v- x; d6 `- _, f7 qMerix 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?”  
- }/ R3 S) N' \- |! B- PThe 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).
. L9 M, C4 F- w& d5 P- N: T
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
0 N9 `$ v- \% u4 P' H& v5 [' C& X
# Q$ }& ]& e8 g, N) e( R7 T: c+ [ 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

) Q; b9 R, H( }' P" D' W5 h" N9 \4 l
1 r7 @( @' `/ [0 s( C
, b7 y3 j* d9 D, m, M+ gthank 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：

% q! O6 ?- C: B2 z4 @3年浮动 P+0.10%
8 R& l) k. M9 c* b% b- Z+ n& I
5年浮动P+0.20%

% v6 f5 L, ]9 w; o8 X3 w
3 year  fix  3.39%

4 year  fix  3.85%

% s0 P  W# I# r( y; @5 year  fix  3.99%

- L; Z' k8 R- d6 A$ f
1 {) _8 \" w* N1 Y* C6 \/ _% t
$ y6 b# X# l* p
) o) S' }4 ~$ f$ i
  j4 c7 f9 F+ W呵呵，需要的朋友请点击右边广告 Email 联系。