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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3年浮动 P+0.15%

/ r7 r6 g2 r$ d9 n' n1 I( M5年浮动P+0.30%

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3 year  fix  3.39%

/ u' P- b0 e( W8 k' c4 year  fix  3.85%

5 year  fix  4.09%


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8 F$ l) N- |& C# H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

- [9 m/ p1 p( ~

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
* |3 |  k  |* I1 _5 Alunik 发表于 2009-8-14 19:20

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8 V/ R; C: F. h2 E$ c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。

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!
meijuli66 发表于 2009-8-15 23:33

. j' [) I! t4 ^- S/ cVariables Get More Competitive
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& {* o5 a& ]' b3 D9 N Variable-rate mortgages are inching closer and closer to prime.
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& z+ q% ]2 V- J  z0 P% G$ rThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

- G' d7 u0 p6 q. w  I4 m: EMerix 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).

; q# |! ~' }- E2 t" bWhat’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.

6 b! m5 h8 E+ d- q" c! ]This 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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$ H1 V3 {$ W( q6 e% Ythank 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：

: W3 ~4 W* Y) {& a$ J3年浮动 P+0.10%

5 p& h% f3 n6 v# b) Z' Y5 {5年浮动P+0.20%


5 O- u# I" h1 x! l: Z! c3 year  fix  3.39%

; N$ X, f0 N5 T5 O' N- z- ?4 year  fix  3.85%
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5 year  fix  3.99%


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