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：
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! Q/ Q2 B) A9 W3年浮动 P+0.15%
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$ Z, n' y. U; ^5 A; p# R; v5年浮动P+0.30%
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4 X) n4 T8 J: H3 G. u3 year  fix  3.39%

" H- @" Q# e* R, C4 year  fix  3.85%
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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

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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！
2 K+ D4 o) p" Llunik 发表于 2009-8-14 19:20

6 U  x+ t3 S$ v- H+ i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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% H% v8 J% G9 P7 W) r* Z3 y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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# g" Q5 b, {1 T2 h Variable-rate mortgages are inching closer and closer to prime.

6 m& i2 ]$ ~  i, `& N& W7 }" xThis 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.
7 N- _5 W' z9 W+ s/ mYou 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).
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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

- |' m$ I) `- p 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’ ...
6 z, N+ B: d7 H# i/ H7 u+ [3 m年轻的心 发表于 2009-8-16 14:13

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: y: P( K$ ]: s! z2 _0 [2 @" ethank 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%

5年浮动P+0.20%

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5 Q( m9 k( q/ ]3 _; F; E0 m3 year  fix  3.39%
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4 year  fix  3.85%
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* j- u0 X9 b6 x5 F; b  Q5 year  fix  3.99%
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: V+ N, G$ y" |呵呵，需要的朋友请点击右边广告 Email 联系。