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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6 a3 c, P7 A. k* Y  O' P0 n利率新动向：

3年浮动 P+0.15%
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# \/ Y' w9 F* k) J0 L5年浮动P+0.30%
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% P" s1 M" Q1 ?3 year  fix  3.39%

+ e* ]2 v! {- F4 year  fix  3.85%
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( i. D: M( U; {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！
! }- h  O: K7 s3 j) Hlunik 发表于 2009-8-14 19:20

5 X" q" M: T* J/ {* V' o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

$ D$ z8 t( |$ r* c3 l  ^$ WVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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+ b. j' R& K9 o3 \2 aThis 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.
You might ask yourself, “Why would I want a variable term under five years?”  
4 W/ T; E7 j+ \0 {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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4 [; u- z& F# w. P7 fWhat’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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1 A4 H' C% x* N8 S4 \ 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’ ...
/ ^- j0 _; |9 z% Y$ ~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：

  [4 X5 a* h( C# }  _3年浮动 P+0.10%
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9 ?1 R( y: l* H6 h+ @8 T) ?5年浮动P+0.20%


; n! m; W: ~9 f3 year  fix  3.39%
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) m- k6 N8 @' D: ?- v" N* Y, l  J4 year  fix  3.85%

5 year  fix  3.99%
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/ z. L( y) O5 z8 p6 l; p8 Z呵呵，需要的朋友请点击右边广告 Email 联系。