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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2 Q: b& E- f+ m7 V, L9 `: N利率新动向：
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1 f- X/ T1 M3 x/ B9 Y3年浮动 P+0.15%
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( ~8 H0 o: M' X5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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1 q- d. F4 j1 H  q9 y0 x; D5 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

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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！
# ~0 j4 e( g- A! O  V! c+ clunik 发表于 2009-8-14 19:20

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!
( k5 {# {6 ^- j% l, `meijuli66 发表于 2009-8-15 23:33

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.
. o  |( V! G0 ^3 g7 fYou 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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; ~7 O2 H! i. UWhat’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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0 Q) b3 `8 y- _9 I0 u1 p3 { Variable-rate mortgages are inching closer and closer to prime.

3 [+ |0 b7 Z; e$ {! wThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
2 G  u- c6 p' [$ k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%
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0 c0 ^  b% w, p: g, i, P3 M' }5 n5年浮动P+0.20%
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3 year  fix  3.39%
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* @- _* ^( @, A2 _- i, g4 year  fix  3.85%
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6 w$ E6 C& W4 G  e% t0 @; _5 year  fix  3.99%


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% _0 F+ j0 Z5 A, M5 V呵呵，需要的朋友请点击右边广告 Email 联系。