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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3年浮动 P+0.15%
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1 P6 z8 c) L/ V& Q! b: [0 o$ p5年浮动P+0.30%
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3 year  fix  3.39%

) f8 x, b7 w" A4 h4 year  fix  3.85%
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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！
lunik 发表于 2009-8-14 19:20

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3 Y4 i8 u! ], ?6 b5 Y# Z+ Y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%

' p" h4 [/ L0 J. o9 M. O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
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Variable-rate mortgages are inching closer and closer to prime.

+ a& D! E8 U2 Q" CThis 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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, @$ s- [6 z' G$ RMerix 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.
5 v6 g- E% c9 W. k/ qYou might ask yourself, “Why would I want a variable term under five years?”  
9 p2 f. Y& z" ^! c% MThe 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).

' n5 b9 j, c7 F% ^. [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

) E: h4 X. q/ T4 Q+ ` Variable-rate mortgages are inching closer and closer to prime.
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2 ^  [, r4 }: q# z  U) A' }' qThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
+ m9 v- r8 R! u. h* g9 j: u年轻的心 发表于 2009-8-16 14:13

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; M+ O) e/ J3 m4 z3 Z* ]! gthank 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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2 `5 A7 X4 h( q: t5 i3年浮动 P+0.10%

9 b* D( L# @" w* e, ~3 ?5年浮动P+0.20%

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3 year  fix  3.39%
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4 year  fix  3.85%

; Q" _+ J# Z+ S! G* U5 year  fix  3.99%

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0 C. a- O7 Z! i* P呵呵，需要的朋友请点击右边广告 Email 联系。