利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

/ Z! z/ _' }; j4 p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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% T9 q& F1 c' l' y$ m4 year  fix  3.85%
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3 E  E- o5 D+ X! L) _4 S, u+ X7 j5 year  fix  4.09%
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* ^& ^$ C; j: \& H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

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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

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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。
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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%
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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!
3 C- ^4 c  ?. t- g: ?" _meijuli66 发表于 2009-8-15 23:33

/ {: x, S+ v0 A1 BVariables Get More Competitive
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8 M6 V  Y: d% e Variable-rate mortgages are inching closer and closer to prime.

! H$ o+ d# H1 f% q7 B. X) ~+ a# bThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

  R- T: r+ @( b" W* vMerix 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.
: i0 S; s. U# @9 J- i( tYou might ask yourself, “Why would I want a variable term under five years?”  
. ^  ~/ x( }: K4 n% u" n. m) TThe 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).

0 |+ o& e5 F9 U, ^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
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Variable-rate mortgages are inching closer and closer to prime.
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$ A  P5 u" @3 W; z7 r6 ]+ gThis 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

5 V$ e. ]% G) U% t$ l9 s" ~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%


3 year  fix  3.39%

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5 year  fix  3.99%

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