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：

/ s# W- n3 A8 M3年浮动 P+0.15%
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" P* v$ n& e$ U4 j" e- x5年浮动P+0.30%

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3 year  fix  3.39%
& k- @5 E) w0 [0 c7 e" m8 P* l$ R
4 year  fix  3.85%

5 year  fix  4.09%




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5 t9 S& T2 f/ H7 X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

$ H2 M+ [$ b4 p' I3 B

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
  W) T' t$ t* _" Z2 M- O$ S: Elunik 发表于 2009-8-14 19:20

4 K9 k- U0 c: s: Y( G8 H. R  |! L4 ~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。

/ q  L, c! t" j( O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%

# |7 i' o: @7 K: m6 k" o& Z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!
" \; N5 N3 o3 _( M4 O2 ^8 rmeijuli66 发表于 2009-8-15 23:33

" O* R; a) N* z9 _Variables Get More Competitive
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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.
" d# v6 ?% P, r3 P! O( VYou might ask yourself, “Why would I want a variable term under five years?”  
0 b* ]& f3 o+ v' w" F! x, YThe 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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" ]9 s3 j/ f' S' Y* i3 I& s( l0 OWhat’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

# `1 A/ ~, N" C) N" ^ Variable-rate mortgages are inching closer and closer to prime.

+ ]9 Q9 N6 ?/ f+ R! xThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
' M& z3 E3 p4 `& I( Y) e6 b& d' l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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3年浮动 P+0.10%

5年浮动P+0.20%
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- v2 L0 p! U% Z. I+ d' I. ~8 W3 year  fix  3.39%
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5 O' g' ]: Y6 L7 R4 N/ u4 year  fix  3.85%

5 year  fix  3.99%





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