利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

: ]8 H7 L. {! `. I/ K' {$ `利率新动向：

3年浮动 P+0.15%

! n9 L! @% K' x" u& s5年浮动P+0.30%


& ?  P6 z" p0 e8 q$ \3 year  fix  3.39%
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4 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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
& y. o+ c0 w2 O; k" vlunik 发表于 2009-8-14 19:20

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%

. {8 r% h" E2 u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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# [1 V6 D9 \3 N" A' [8 v! TVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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- ]$ N# [4 z/ tThis 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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+ U1 H* o# u/ j; R- C3 }% ?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?”  
( c9 f/ E3 j9 k: Y% N2 _; J& XThe 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).

. y5 f  f* u2 C) X% _6 ?% JWhat’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
* b! @- ]3 e8 C% H
; c, H/ |5 a4 V Variable-rate mortgages are inching closer and closer to prime.
# z3 t8 P6 h! q8 j" K0 v1 @
" w$ l4 z0 R: V3 O/ ]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

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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%
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5年浮动P+0.20%

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3 year  fix  3.39%

( D1 g1 Z1 G- ^# ~+ T4 V+ c4 year  fix  3.85%
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5 year  fix  3.99%

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/ x4 D$ |: J2 D* [* A呵呵，需要的朋友请点击右边广告 Email 联系。