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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7 U: B8 A& L  X& Z3 {) [) t利率新动向：
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% i  Y) r7 M- R$ V9 _7 Y# w' ?% Y8 m3年浮动 P+0.15%

5年浮动P+0.30%


3 H% T" o6 @9 K1 k! y+ R3 year  fix  3.39%
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4 year  fix  3.85%
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3 d# \& U; p+ U, V3 Y5 h+ a6 K5 year  fix  4.09%

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9 H: d& F) s" I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！
5 h+ L/ M+ G2 d& t1 Clunik 发表于 2009-8-14 19:20

% p; [- _) U8 b0 a$ W0 U( X9 H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。

( E) |8 y, \: ?9 e" E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!
! [) d- h5 P! `8 r0 Emeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

5 P& I. N; Z& k' p 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.

6 |( y- z2 J/ b) ?; hMerix 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?”  
# U' m8 I7 q- I* _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.

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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1 z) k2 Z% k* J) O  z7 M& hthank 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：

7 x* ^: ]1 R- O; `, u3年浮动 P+0.10%

, o5 f; }+ ~0 W! O5年浮动P+0.20%
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. u- K/ h! {, j) v2 [3 year  fix  3.39%

4 year  fix  3.85%
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! L4 @, K( H# M! N) N5 year  fix  3.99%
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呵呵，需要的朋友请点击右边广告 Email 联系。