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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' x4 }! S; N( j利率新动向：
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3年浮动 P+0.15%
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1 A# M9 e( p& T" P% j  a& V; ?5 c5年浮动P+0.30%


  }+ ^1 X4 u! T$ A: W7 K& J( v* J3 year  fix  3.39%

% e* X8 Q8 w: A2 q$ R& _7 B4 year  fix  3.85%

$ V- D/ y3 f/ Q" @9 j5 year  fix  4.09%
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' F6 n5 z: z2 R; [+ F2 u: F: ]7 }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！
; Z3 e2 }9 z( Y9 C7 {/ A/ g% g; L1 Mlunik 发表于 2009-8-14 19:20

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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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2 [5 f; ?, N( n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

Variables Get More Competitive
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1 y+ d/ V7 W, [0 \. r0 t 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.
! P- V! N& W/ n) p" O- w0 _You 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).
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) h' I, ?' L8 a0 b5 |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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4 i+ |: I3 w2 v- U! B5 F Variable-rate mortgages are inching closer and closer to prime.

- ?3 x# `4 T  P1 B6 X$ Z5 h7 hThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
2 W7 C- g/ N) k8 d7 w# y) A" q年轻的心 发表于 2009-8-16 14:13

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( ^( J9 m2 V0 D: V2 j  p  ~thank 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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; j' V! C% S5 Q7 |, |3年浮动 P+0.10%

5年浮动P+0.20%


$ b* `: f1 [: T: q9 o3 d3 year  fix  3.39%
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4 year  fix  3.85%
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6 R- V0 @" _& ?5 year  fix  3.99%
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