利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

2 g6 m4 g! I; B+ r: G: ^利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%
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3 year  fix  3.39%
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& i, p( }. i3 e) H4 year  fix  3.85%

! t. a1 B6 Q" U, |0 n! t5 year  fix  4.09%
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) R) b: b+ |+ J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

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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！
" b! P# @2 @' X' n& Wlunik 发表于 2009-8-14 19:20

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. ]8 ?+ Y, U& \) G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!
" M  v. O4 v, J( ameijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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0 ?+ }( T1 x% w5 | 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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! i/ Y6 L' Y( I( ~1 z* U4 SMerix 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?”  
( t3 d9 U3 ^* F3 F  xThe 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
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7 \& b, U! U7 j% 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’ ...
. n4 `/ X0 @  V5 C" f+ m* p年轻的心 发表于 2009-8-16 14:13

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. U( E' b: I0 z7 u' j6 p: ^! n5 Vthank 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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3年浮动 P+0.10%

5年浮动P+0.20%
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: Z% ^- r2 B) Z3 year  fix  3.39%
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4 year  fix  3.85%
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5 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。