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：

" |4 i3 f. J, S9 A. K3年浮动 P+0.15%
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8 ?( W* Q# n  G% u+ [6 E  s8 [5年浮动P+0.30%


3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  4.09%
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2 K6 M0 @+ T: e. ]/ @4 z+ \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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
$ a0 g8 g' @" |" L# A7 I' blunik 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。

7 f9 ]3 f' ?5 Y# x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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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

8 S' x! b4 v* C$ QVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

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?”  
The 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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- S- `: l$ u  O3 `0 DWhat’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

Variable-rate mortgages are inching closer and closer to prime.

+ ~2 R0 G6 T/ {/ d: t$ FThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
; @$ Y6 l+ K7 s5 v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：

3年浮动 P+0.10%
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2 k0 `! \1 A% R) M& ~# D( z+ z, O% @5年浮动P+0.20%
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3 R" [% h. u" ^; Z3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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5 [: R9 a8 u9 v7 ]) x6 c& s) v3 Q呵呵，需要的朋友请点击右边广告 Email 联系。