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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* U3 e6 m' V( H7 @! z利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%

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# O& D. Q: [- }: R" ]. @/ [- c, e3 year  fix  3.39%
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! j: A; ^0 }3 Z5 m: `. f3 r0 P4 year  fix  3.85%

6 i) ~: t9 p, \- ~) I5 year  fix  4.09%


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8 t# a4 Z+ ?5 c( N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

6 O+ y$ T1 [6 A4 X& C% r

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
7 P% g: y3 U9 w5 V$ p/ e2 W% C# ylunik 发表于 2009-8-14 19:20

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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。

; a! l3 H9 ]* s8 }4 k! E9 S7 D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%

4 L+ J. t! }5 I8 }5 ]' P9 b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!
$ S2 `3 N5 G( d( _9 ameijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

2 C( g* A. I1 r Variable-rate mortgages are inching closer and closer to prime.
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$ y0 B  c  G1 W1 X( }' }1 c1 OThis 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?”  
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).

- O/ \( t7 b- |% ~5 ~* ]. ~3 SWhat’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
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Variable-rate mortgages are inching closer and closer to prime.

, a; ]! \/ ]- V1 |, K6 GThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
, G9 v' n7 o, M- |2 Z; z年轻的心 发表于 2009-8-16 14:13

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3 k- c2 }1 p( _4 {1 sthank 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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9 X( x/ [% \7 m3年浮动 P+0.10%

8 j* |2 Q5 X  G2 f- B3 L, ^5年浮动P+0.20%
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% w: g- k9 p' P& |% ?+ ?# X% H3 year  fix  3.39%
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4 year  fix  3.85%

6 b  T/ V/ A* {4 x' z' ~0 ^1 _5 year  fix  3.99%

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