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：
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: l% I1 ^2 f  u( m' M3年浮动 P+0.15%
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5年浮动P+0.30%
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; k% f" E! ?; Y; W# M5 N/ l3 year  fix  3.39%
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! C8 V$ r' y3 j* H  b( {2 e4 year  fix  3.85%
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5 year  fix  4.09%
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3 l/ m+ V3 m" E- z% m! _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！
lunik 发表于 2009-8-14 19:20

% z/ p  {. P; C1 p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。

( I8 U% ^, Q3 z$ x. D. L" ^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!
meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

" C2 M5 N  o; n- l3 e 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’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.
You might ask yourself, “Why would I want a variable term under five years?”  
/ K% d* @' ]& b1 p  t. R' RThe 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

4 J) I8 K, J3 T$ Q2 j0 R4 u4 {) U9 T Variable-rate mortgages are inching closer and closer to prime.
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4 k9 C: H9 F& H' |* j2 A, @6 r* j( hThis 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：
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3年浮动 P+0.10%
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5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%

4 ]: f0 x4 c' Y0 a+ R5 year  fix  3.99%
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