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：
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. E" [% y2 ?  a. D- @1 @3年浮动 P+0.15%

, w6 I% I: {1 K$ v, F5年浮动P+0.30%
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  r  J# h( p% x. b3 J3 {3 year  fix  3.39%

4 year  fix  3.85%
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6 v; c- u% {: \( P5 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

& c3 U4 K& n" \8 d, s

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
) [, n  g8 A! ~lunik 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%

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!
7 i; K+ S/ V! r  H- f; |! {6 |meijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

, t4 {) K" m/ y3 `6 p# a 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.

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.
8 t, @8 B7 x& R# m! L3 Y5 _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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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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Variable-rate mortgages are inching closer and closer to prime.
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6 H7 }% }- Z% w; C, [This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
2 a# \& K0 a; X. W& A3 M年轻的心 发表于 2009-8-16 14:13

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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：

2 u% F: t) ?. H- S1 z3年浮动 P+0.10%
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6 p. b' V* y- u& c! i5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%
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; v- D, a* y4 [, |8 n: ~0 a5 year  fix  3.99%
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呵呵，需要的朋友请点击右边广告 Email 联系。