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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1 U8 O2 I1 t% A7 d3 F利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%

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# Y7 g6 l. M4 d0 P+ I3 year  fix  3.39%
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- f. R1 U3 C7 M5 x7 R$ A4 g4 year  fix  3.85%

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！
lunik 发表于 2009-8-14 19:20

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2 S; A/ I. `0 y' F# C3 K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!
& [* K% e% A% c* b; s" H- Hmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

3 W  O7 `/ K- Q9 ^+ }. N Variable-rate mortgages are inching closer and closer to prime.
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. P- `: S2 H6 g$ o: H, g/ AThis 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.
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).

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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. r& _5 u7 R  oThis 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

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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：
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% V" {" e& J- t$ A3 B# F3年浮动 P+0.10%
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2 F. y- P! G3 |5年浮动P+0.20%

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* _) |: Y, D, \9 b3 year  fix  3.39%

% O' k8 B2 U/ M8 A4 year  fix  3.85%
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" c6 T9 v+ l! ]2 B5 year  fix  3.99%

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; G0 F- [$ Q8 O0 c/ J) a# x呵呵，需要的朋友请点击右边广告 Email 联系。