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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! r7 D6 t  D9 I+ C: n& l/ |- Q5 Y利率新动向：
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3年浮动 P+0.15%
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5年浮动P+0.30%

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! L! @9 E: Y. N0 Y3 year  fix  3.39%
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4 year  fix  3.85%

' o. M) p; _0 u$ W; v* {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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
( U9 }/ [" t  v: ulunik 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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  t+ c# [  z  b6 O, o& s; V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%

8 ?" O, |7 _  q; Z. o+ t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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Variable-rate mortgages are inching closer and closer to prime.
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  k8 R3 @$ q0 D+ LThis 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.
( H( v5 h9 g8 v( I( tYou might ask yourself, “Why would I want a variable term under five years?”  
% y% e! h, R* \9 n/ |5 q$ fThe 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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5 s, s) ]& ?* Q! i5 B) oWhat’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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7 U8 g& H1 i! A Variable-rate mortgages are inching closer and closer to prime.

8 w4 z/ ]7 k. aThis 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

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：

3年浮动 P+0.10%
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5年浮动P+0.20%


3 year  fix  3.39%
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4 year  fix  3.85%
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4 t' I4 @% i0 O9 r/ ~$ P5 year  fix  3.99%

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) M$ C( s) g# h0 s9 Y呵呵，需要的朋友请点击右边广告 Email 联系。