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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$ w+ b. G6 C* `/ [8 D1 t利率新动向：
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7 c0 ~" c$ {! M; ~$ J. _/ ~: y3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%

7 b1 o1 ~& ?; ^1 ~4 year  fix  3.85%
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2 [3 S3 S1 r1 f% Z9 @# c7 G' y5 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

! u2 P' L3 c) \* f

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
6 u& C$ z+ d) ^lunik 发表于 2009-8-14 19:20

  B5 ^: {* u; l5 p" T2 L' k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%

8 V1 ^' `$ K$ L# a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!
6 V! n0 A4 Z! a2 Nmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

' z( h  |' {! I0 l Variable-rate mortgages are inching closer and closer to prime.

! I* g; s0 r! i- E- Q: @0 VThis 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.
6 o# P* A+ W7 ~% z5 ~. |You might ask yourself, “Why would I want a variable term under five years?”  
' b/ j5 v8 ?5 |5 _* A$ CThe 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

Variable-rate mortgages are inching closer and closer to prime.

+ c: E. q1 ~" @+ @4 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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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：

3 p; r0 ?& p. J# [: x3 w$ W3年浮动 P+0.10%

' \/ p* n# A, k$ W5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%
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0 X0 V6 }+ x" n: p0 m呵呵，需要的朋友请点击右边广告 Email 联系。