利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

9 q# i2 W7 M3 X利率新动向：

3年浮动 P+0.15%
# D1 w( @/ `6 o
) K) s9 E5 a( [, A# `5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%

, _) @7 N; x# t7 S4 M7 Y5 year  fix  4.09%
' j; Z6 A8 g  ^6 X9 _1 \
. V+ D0 i5 o- }; w) A* I- i
. r7 s8 L' E$ ?6 D% L


& k- K# W% N; \8 v* G& w% ]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

2 h$ I" @7 |: e& R/ A7 x; R

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
7 Q" _! o+ W2 D9 D+ e2 c% ?" G, klunik 发表于 2009-8-14 19:20

0 _3 i; o0 R, S! {8 N. p% _
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。

7 s/ {+ C3 ~/ `( ?1 Q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%

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!
$ r& I5 ], W$ p3 Nmeijuli66 发表于 2009-8-15 23:33

1 f; a% A8 o3 X2 O
Variables Get More Competitive
- W# r) _  W% f- ^9 K: P
Variable-rate mortgages are inching closer and closer to prime.

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.
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
0 P& G% R/ s4 D& z6 u: K
; j9 h# c( A9 }/ z3 J Variable-rate mortgages are inching closer and closer to prime.
8 ^; F$ h% G2 M, D5 W3 g
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：

! O! x% C' G: w% g4 A/ D& g; N3年浮动 P+0.10%

9 q+ S6 E  k9 f5年浮动P+0.20%


1 h" \& D$ ^) L: h3 year  fix  3.39%

1 W& B% V# E6 i' V' u4 year  fix  3.85%
0 g$ d  n# q6 n
5 year  fix  3.99%
$ a; n. Y7 N9 U

  M0 [1 w" d: r& M) A
1 X6 q$ a1 W% u1 Q, j6 y

$ t9 V& @4 D, N# j呵呵，需要的朋友请点击右边广告 Email 联系。