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：

4 M9 x& K& H; C$ t+ j3 h8 d4 W3年浮动 P+0.15%
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8 K! U# v8 b8 `$ g- J5年浮动P+0.30%
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" J7 w- A, R! l& s/ ]7 X. q3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  4.09%
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  J9 J" ^: S; T3 ?/ U+ l- c
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. z# ?& l- r( h- ]5 e8 K+ I) a/ p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 i) v) f8 ]: y" [; H6 w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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/ E" x( C6 _' e" U1 ]1 S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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1 I2 x; P+ T, R2 W; ]& u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

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Variables Get More Competitive
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! N+ h  ~3 c1 D6 I( e7 _9 [* s 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.

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.
/ o' i" S4 Y0 LYou might ask yourself, “Why would I want a variable term under five years?”  
! ]$ r; L% V' ]2 AThe 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

Variable-rate mortgages are inching closer and closer to prime.
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6 _, ]: {1 V+ \- [) G3 i1 iThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
" w+ G/ R: T. |" p' L3 H年轻的心 发表于 2009-8-16 14:13

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5 M' S! X. E( B- m, w6 sthank 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：

3年浮动 P+0.10%

2 E* v* r* T/ y1 I* ^  Y4 k0 {5年浮动P+0.20%

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) y9 d) C( r8 z6 Z/ l# b" t3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%





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