利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

# H4 A$ m3 x5 E+ K) ]利率新动向：
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3年浮动 P+0.15%
4 F. D' R& G3 P
5年浮动P+0.30%
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3 n( X7 D( u- C7 N- x! `3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  4.09%

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- u9 V. l4 G# e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

. j. d* p% @: P" E" b1 a, Q

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
+ R9 Y, |0 V4 J" |) c7 E% m/ d$ Plunik 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。

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%
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* Z8 L- e, X/ ]: e0 x% e% P6 \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

Variables Get More Competitive

. w, G+ r. ?+ n" L4 H+ b& D/ N Variable-rate mortgages are inching closer and closer to prime.

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.
You might ask yourself, “Why would I want a variable term under five years?”  
1 G( F  _9 S3 i" j  E; P! g( ?/ NThe 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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+ e( P. B' M7 D) [+ lWhat’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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/ F% n2 g+ E/ O# |8 b Variable-rate mortgages are inching closer and closer to prime.

  P( E5 s: c9 v# h- Y/ L9 LThis 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：

1 @) `/ k+ |; a2 t3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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9 x- E1 ~5 H" n3 [+ k4 year  fix  3.85%
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1 D3 _8 n/ @$ A2 B5 year  fix  3.99%


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