利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%


3 year  fix  3.39%
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  n: b8 ?: Y* h2 L( Y4 year  fix  3.85%

5 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

' q' i& r& J7 v' t$ ~0 ]2 w8 H9 w* E

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
; G* g  g5 P4 Y4 ~  Plunik 发表于 2009-8-14 19:20

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1 h9 v5 ]1 M& p3 x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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+ b/ H0 t8 w6 V0 @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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6 R3 _6 l: Y$ K2 @) I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

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Variables Get More Competitive
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7 d, m- C7 i( b. o Variable-rate mortgages are inching closer and closer to prime.
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6 b* L6 O7 E! o1 rThis 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.
You might ask yourself, “Why would I want a variable term under five years?”  
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
- a% X; ~2 m% p6 u: r* y1 p
7 \% }8 d3 ]- D* ]8 i Variable-rate mortgages are inching closer and closer to prime.

; Q. U8 c3 K& }2 M2 M! H/ [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

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 O* k9 P6 v9 W( Y( d6 e- K
5年浮动P+0.20%
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3 year  fix  3.39%

8 u3 c; x( B1 J( W( g& [; `& N4 year  fix  3.85%
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5 year  fix  3.99%
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. a7 f3 B. C% Q3 j' j! ]呵呵，需要的朋友请点击右边广告 Email 联系。