利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

" Q& S. E! @! A  x3 C利率新动向：
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" ], {8 G, w1 v# L) U3年浮动 P+0.15%

; Q7 d4 p. P* O* \6 g! G3 o5年浮动P+0.30%


3 year  fix  3.39%

* o/ j2 W$ `0 o1 |4 year  fix  3.85%

3 \. |7 n& x8 u. w( S5 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

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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！
lunik 发表于 2009-8-14 19:20

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7 x; j" f0 A6 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。

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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+ k) t6 G; x3 }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!
1 n4 F* @5 h% c4 g6 ?meijuli66 发表于 2009-8-15 23:33

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- r; O8 J5 b- [9 r6 M$ `. N2 D2 gVariables Get More Competitive
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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.

" n. w& F$ ]$ j  l. pMerix 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?”  
0 W  e" r0 z6 \3 SThe 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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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

9 r6 W: Q( v+ E- F: a) ]( C6 h: r3 z4 g Variable-rate mortgages are inching closer and closer to prime.

* L- d4 T: Z% s' {( VThis 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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9 b$ o) K6 Z. x2 cthank 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年浮动 P+0.10%
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$ i' C% ~0 ^  B5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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2 J2 [4 r$ ^+ l4 L" H# P1 f呵呵，需要的朋友请点击右边广告 Email 联系。