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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1 r3 B6 z% X' a利率新动向：
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9 j0 m, \1 |  O! L3年浮动 P+0.15%

! ?1 g7 P# C# X7 v# [+ V5 P* K5年浮动P+0.30%
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3 year  fix  3.39%

  y* y! e. g8 \# T( G4 year  fix  3.85%
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  c4 _, G1 h/ h2 i3 H1 g1 `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

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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！
lunik 发表于 2009-8-14 19:20

. M/ N& Y& j, {8 t: N$ I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%

' J! Q' s/ A( f! w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

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Variables Get More Competitive

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.

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.
/ d* Y7 o# c8 ]' Z$ J& nYou might ask yourself, “Why would I want a variable term under five years?”  
) ^4 S! n& F  z; eThe 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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3 g' G0 ~' A9 b1 O( hWhat’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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9 m! `6 s7 J$ PThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
- [7 F) f5 v$ w* Q4 Q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：
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" z5 J* [- R7 m/ s3年浮动 P+0.10%
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. t; N, N- Z; s/ Z( t0 ?* o: x4 C1 C5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%
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, Y$ U, F) t: c: t* ?5 year  fix  3.99%
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9 ?) I- a2 y+ A7 v. n& w' y+ q呵呵，需要的朋友请点击右边广告 Email 联系。