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：

/ @: f4 |$ d4 p7 |3年浮动 P+0.15%

4 O2 b" o( [! e5年浮动P+0.30%


3 year  fix  3.39%

6 R* b3 a6 m& i' t0 T4 year  fix  3.85%
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8 a6 f& [6 O0 R% v. h1 A5 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

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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！
lunik 发表于 2009-8-14 19:20

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9 y% o+ t* q, p5 L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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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!
: M6 Z$ z$ J7 s( s+ X5 g( _; }- Fmeijuli66 发表于 2009-8-15 23:33

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6 b# I7 q. Z, N7 o3 n$ dVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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This 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.
8 X; x! Q5 V( Z: F' }You might ask yourself, “Why would I want a variable term under five years?”  
9 a1 X5 k4 ~+ [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).

1 K6 i1 L7 k) r: W# mWhat’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

+ x' ~& I- b4 l- O& E+ @ Variable-rate mortgages are inching closer and closer to prime.

% Q: l) [! a/ t# m9 b: dThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
+ M0 i/ n4 k- I: Q年轻的心 发表于 2009-8-16 14:13

/ Y8 |+ l" v% G# Ythank 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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6 _0 D- T( a' @+ ~% r9 N3年浮动 P+0.10%

5年浮动P+0.20%

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3 year  fix  3.39%
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4 year  fix  3.85%
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2 E! V* x/ o6 H* ?) w+ c5 year  fix  3.99%
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  }- N/ [! H* `+ O- _7 }* ]

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9 |( Z8 x, z# ^* ~) X: Y+ h9 m呵呵，需要的朋友请点击右边广告 Email 联系。