利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

: q( t  n+ v/ [$ K0 f2 J6 \  Y* g利率新动向：

/ W1 \, ?8 O$ G  F& S3年浮动 P+0.15%

; _' T1 P) I* O5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%

$ J9 R# u# |7 p% q" h5 year  fix  4.09%




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6 U( I% ], u- o! T5 y  Q6 K3 O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

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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3 A# r; @" A" y- V: L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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4 Y  S6 p3 d0 M7 y& [+ W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%

2 I9 I4 ~$ l, F3 ?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

Variables Get More Competitive
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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.

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.
& A- f& |# k& G4 dYou might ask yourself, “Why would I want a variable term under five years?”  
9 u5 Q( P% T/ M5 F- T" A' |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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. P6 v$ `6 \& x4 |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

Variable-rate mortgages are inching closer and closer to prime.
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% K/ N. Z( Y$ x) V/ J6 \This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
# J# K$ f+ ^: m( S3 H* ]) N7 c6 r年轻的心 发表于 2009-8-16 14:13

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  A$ T! i: C5 |% D0 z8 ]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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$ n5 h4 ]' ]1 C8 r$ o- W% i( `3年浮动 P+0.10%
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: Y4 ~/ n3 P) d5年浮动P+0.20%
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* h* E' O7 O. B$ `+ Z3 year  fix  3.39%
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; L* w: Y$ v+ F) K3 M. K4 year  fix  3.85%
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. w: z+ ^/ s" n4 M( x' ?5 year  fix  3.99%
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- H" l$ U! Y4 K/ k4 }, e- ?' d6 d) V呵呵，需要的朋友请点击右边广告 Email 联系。