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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9 n* {7 L1 b8 c, J' L/ @5年浮动P+0.30%
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" M, h# W0 e" H! d0 j3 year  fix  3.39%
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4 year  fix  3.85%

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！
% q/ u" C' `( K# Zlunik 发表于 2009-8-14 19:20

  K* \8 s' _! p$ ^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。

( Y8 k  V! n: x7 E7 I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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) x& s" P6 b3 l7 t6 \2 J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!
4 b4 S; l) x+ v% \+ dmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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- m- e: j& ~6 [# ~ 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.

1 p) W/ c8 K: X8 W" E# N6 u) |+ j+ ZMerix 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).

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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: F9 Y2 S! V5 u2 YThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
) G; o* s1 h! D, u9 h* r2 X年轻的心 发表于 2009-8-16 14:13

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%
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, L8 r' F3 `7 W7 ~5年浮动P+0.20%
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) K7 k# C' d6 e& O, k# ^0 u' \) Y6 b3 year  fix  3.39%

7 a+ u7 N% W0 a9 ^4 year  fix  3.85%
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- c# c% F  @( q3 P. |4 D5 year  fix  3.99%

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7 E3 D2 F6 N# T5 C) e呵呵，需要的朋友请点击右边广告 Email 联系。