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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# B! d3 A8 V5 x/ _3 d; \2 e; V3年浮动 P+0.15%
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5年浮动P+0.30%
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* a, g& K7 i; f# ?, }3 year  fix  3.39%
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4 year  fix  3.85%

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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
" T5 y. J/ ?6 r) clunik 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。
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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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$ f$ N% R- G, y8 U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!
( F% T  o$ F7 w1 U% \$ X0 d# K5 Xmeijuli66 发表于 2009-8-15 23:33

6 M, Q( s; Y1 Z+ }) z* \% V# CVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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4 i# O6 I# Q0 S4 L+ q  \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?”  
' Z' ^2 B  B' |% s7 AThe 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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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

3 Q- _- r/ k1 p4 P9 M# l8 n0 N Variable-rate mortgages are inching closer and closer to prime.
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: F9 f" @7 m0 M9 [( z; 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

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/ [& v0 M0 @3 l7 }) Lthank 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%
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5年浮动P+0.20%

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6 g+ O* k! h) _9 C3 year  fix  3.39%
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; Z, T- X8 g# ]8 i8 B4 year  fix  3.85%
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5 year  fix  3.99%

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; }! V, v" B0 W' p* d- ~呵呵，需要的朋友请点击右边广告 Email 联系。