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：

3年浮动 P+0.15%

, {/ q1 d; }* r7 @: y6 H! A5年浮动P+0.30%

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  U0 s- p- a* g; j$ a( S* L3 year  fix  3.39%
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) k, K1 N/ L% v4 year  fix  3.85%
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5 year  fix  4.09%

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4 \  S5 c8 R/ o* r1 ~6 I  u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

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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！
$ m5 J" K6 D5 P1 dlunik 发表于 2009-8-14 19:20

. N/ [- S+ O1 _! t( A9 w2 f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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* A- N2 \6 D" [- L: N6 {5 A3 E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!
, ?7 e8 U  j9 U% u6 Y; o0 smeijuli66 发表于 2009-8-15 23:33

# u1 S, x: l: Z7 hVariables Get More Competitive

  K! q# J! y+ l; | 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.
: _( j" a6 Y' @5 OYou 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

7 x4 p) ?* a5 ?4 ^& u4 p" o* B Variable-rate mortgages are inching closer and closer to prime.

9 [; ~7 g& b) n, O6 m( Q. P! j) L* YThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
' _. Y! v3 f/ n  o年轻的心 发表于 2009-8-16 14:13

* K6 |  d, q6 B! \7 Dthank 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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' ?/ s1 s- x! a' ]1 a7 c, m5年浮动P+0.20%
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; A+ R# F' S& C$ g- A  j* `4 @3 year  fix  3.39%
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( w) |1 O" }6 Z1 l+ s4 year  fix  3.85%

5 year  fix  3.99%
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