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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3 A8 @7 l9 k6 M3 J利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%
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9 c+ [- i; x( p! p6 t% W- W5 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

( v. m* c9 @0 A( n' H; g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。

( C: D: N9 g& o2 T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%

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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9 s6 S/ J  u4 y) @! l9 M# hVariables Get More Competitive

* d5 f1 B6 V/ F- m; o Variable-rate mortgages are inching closer and closer to prime.
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3 [5 R, i, g; o1 J2 }- m# ]/ @$ BThis 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.
You might ask yourself, “Why would I want a variable term under five years?”  
) W/ V% w8 h6 JThe 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).

9 C. X0 m) M9 s4 q# D! i  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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# t- A+ `5 ^0 m8 g' d Variable-rate mortgages are inching closer and closer to prime.

% b) {7 d8 S3 P# ?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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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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9 T  ?: q+ F7 i( j3年浮动 P+0.10%

- u. x+ U4 P# g% J5年浮动P+0.20%
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3 ^7 G$ w. ]- w, y0 n: B3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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3 l: K% f, f/ A" [9 ^4 @% F呵呵，需要的朋友请点击右边广告 Email 联系。