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：

3年浮动 P+0.15%
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5年浮动P+0.30%


& }* I! x# K0 y: H5 I" t3 year  fix  3.39%
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9 c" ^; N" Y/ [: d4 year  fix  3.85%
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& |# W& E% J1 G" W5 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

! I8 \/ M4 M/ m* V. N+ C- w

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
; F. a: L+ }* Clunik 发表于 2009-8-14 19:20

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。
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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%

# W% F5 C5 o; A' V; W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!
3 x8 J1 {& b4 I$ ?7 n6 omeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

" V3 M0 ?' G1 J Variable-rate mortgages are inching closer and closer to prime.

. S1 P3 A+ Q+ L. ^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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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 E3 l+ Z7 V4 g0 r- eYou 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

2 ~& m! B$ Q( W+ R9 x/ ^9 Y Variable-rate mortgages are inching closer and closer to prime.
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; G% ]7 ]6 `1 R& A  @This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
) K5 `" s* ]) {" w年轻的心 发表于 2009-8-16 14:13

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- x* C* m2 P* v4 `) Kthank 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%
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5年浮动P+0.20%

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3 year  fix  3.39%

) D, A6 h) L, A4 year  fix  3.85%

# k% C4 h6 x. l; t% b9 N- D5 year  fix  3.99%
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! n0 }5 [  e/ f呵呵，需要的朋友请点击右边广告 Email 联系。