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：

0 `; B0 V2 O2 ^9 u4 c  i3年浮动 P+0.15%
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, ?  Z  ^, p, [. F; f: E3 H5年浮动P+0.30%

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3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  4.09%


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9 M4 x3 e0 g" H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！
! E) W! [! f/ |6 D5 o& ]lunik 发表于 2009-8-14 19:20

% C, t( n3 m( m" ]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。

8 t$ K4 t/ @! `  q; Y) }' k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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  @# v& k# a. R9 R7 y) W& z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

Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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* d7 i9 m% @* h# u9 J. C: A7 `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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7 M  [+ {6 U' ?9 V, PMerix 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).

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
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, F" G; L9 k% r3 ~ Variable-rate mortgages are inching closer and closer to prime.
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, Z" r0 t8 o, i; J: }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

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：

: X+ A/ R% F9 ]: c" g3年浮动 P+0.10%

5年浮动P+0.20%


- e# l" K" |, H3 year  fix  3.39%
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4 year  fix  3.85%
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! f0 D' K) T, X5 year  fix  3.99%
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