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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利率新动向：
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3 S. d# t& b/ d' T; @3年浮动 P+0.15%
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# U; X0 Y: l0 q- g# ^9 M  Q5年浮动P+0.30%


) ]- O6 c5 k  f- g3 year  fix  3.39%

4 year  fix  3.85%

9 s1 h, W" f+ ?2 p  k& {" @5 year  fix  4.09%

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5 I7 \; y4 ?3 j5 Y+ Z5 a8 H" c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！
  e0 g7 Q$ Q- N* B3 g4 N) O4 {lunik 发表于 2009-8-14 19:20

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' \1 z) S( z- `! q0 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。

- w, o! x3 u3 n  V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!
6 v: [% q3 f3 e: \4 B! Cmeijuli66 发表于 2009-8-15 23:33

0 k* y/ U6 f; |$ z  T: oVariables Get More Competitive

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

0 e, \9 {9 ~# n) uThis 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.
( r) W, O, h8 U5 \9 l7 @& W/ U7 zYou might ask yourself, “Why would I want a variable term under five years?”  
& i  j9 P2 _& K4 X& TThe 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.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
8 I6 U# S; j  S4 M& M( V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年浮动 P+0.10%

5年浮动P+0.20%
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7 t( W3 p7 e: C3 year  fix  3.39%
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4 year  fix  3.85%
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5 year  fix  3.99%
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- J" T. c1 d- m: J! a* w( K2 K呵呵，需要的朋友请点击右边广告 Email 联系。