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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* S9 C5 ~0 r7 g$ S; x1 e) r$ _) U利率新动向：

  v: |9 ]0 z' h$ D3年浮动 P+0.15%

* u' y- y* Q# K5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  4.09%
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9 S- ?+ {5 b  N+ \: k$ t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！
9 q: j+ E+ u+ `$ Dlunik 发表于 2009-8-14 19:20

# Z0 X2 |$ E7 n' m. c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!
meijuli66 发表于 2009-8-15 23:33

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. w+ a3 H; X: K* N' e2 bVariables Get More Competitive
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/ X1 O1 r6 g( X2 z- H Variable-rate mortgages are inching closer and closer to prime.
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5 \  n% g$ u4 G/ R# JThis 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.
7 z9 v0 n. v; |9 f' lYou might ask yourself, “Why would I want a variable term under five years?”  
& ^- R8 i3 K! Z, DThe 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).

8 a: `. z+ _7 Q1 l1 ^2 g: d9 PWhat’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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4 k5 Y! ~  F2 |' c3 @' n) r; G$ @. {This 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

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4 x2 W* |+ C3 C: \7 Vthank 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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5年浮动P+0.20%


3 year  fix  3.39%
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, ^8 R  E0 I* ]4 m2 l* ?+ L) z4 year  fix  3.85%
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5 year  fix  3.99%
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