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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利率新动向：
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- @0 ]% T# B" L" E9 q  d% H3年浮动 P+0.15%
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5年浮动P+0.30%
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5 U# K6 b" C& S; r5 J2 v3 year  fix  3.39%

4 year  fix  3.85%

8 _$ B& Y5 E% w6 \5 year  fix  4.09%
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9 ^$ M; @3 Z, c) W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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
# v8 n$ S/ E4 a/ wlunik 发表于 2009-8-14 19:20

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4 ?, u5 c! J; e$ x( f2 b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%
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4 ?; s2 \3 F' o& i- Y6 @$ L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!
: _+ {% y. A1 B( U- a0 Emeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

! M. o% q/ T3 A; d# Q. x; G& s 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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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.
4 y/ g% y: p2 dYou 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
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Variable-rate mortgages are inching closer and closer to prime.
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+ i4 v$ w- o9 ?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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9 B+ R! k% Q  M  x9 Q  p6 q. 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：
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( q' \2 B$ h# o- r& ]' v9 Y) ~3年浮动 P+0.10%

8 p5 y7 d1 d8 p: \7 G4 _" T5年浮动P+0.20%
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; }; A4 h9 g% Z$ w2 v! `3 year  fix  3.39%

5 M# g4 o& K( i4 year  fix  3.85%

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。