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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利率新动向：

* e+ D2 p  y* W' b' e5 F- u* |5 v9 I3年浮动 P+0.15%
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5年浮动P+0.30%


3 year  fix  3.39%

' [, }$ X( ~) d$ X. p" o4 year  fix  3.85%
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5 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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
" A" a4 E" |0 N! U0 S9 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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9 ^/ J, v0 a* o: u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!
0 R' N, F/ @2 c1 hmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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$ o  r& V2 M3 I0 _2 [- ]1 q* L 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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3 f' ~3 ~4 P. S% EMerix 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.
  j2 @; g6 Y+ C( t( uYou 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).

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

; |+ j# {/ F3 D7 f( u" @2 l" A  l 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’ ...
# F5 {& w6 R/ y) o) V年轻的心 发表于 2009-8-16 14:13

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, C- d/ ~5 j2 ?3 [$ 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：

' s: w* w: Y( v# e; g' m- i1 g9 V3年浮动 P+0.10%

5年浮动P+0.20%

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3 year  fix  3.39%

% V/ X' z+ [* ]) ~5 k4 year  fix  3.85%

5 J6 J* L% d, P9 T! M$ w5 year  fix  3.99%


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9 A" ~! |- B- _- j) c呵呵，需要的朋友请点击右边广告 Email 联系。