利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

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4 v: `) K0 _& P利率新动向：
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$ G1 X7 i! |. z; f9 p- x3年浮动 P+0.15%
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5年浮动P+0.30%
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7 v5 l3 @' W5 c. U3 year  fix  3.39%
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% X0 @9 k1 T0 u: _4 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

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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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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9 f* K/ F4 ?5 m, z6 v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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0 ^9 y. n- f; C4 L% T, c% C; i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!
( l* P3 i; G& ?+ ~meijuli66 发表于 2009-8-15 23:33

7 U/ x1 ^9 z" b  E  {! VVariables Get More Competitive

( B. t0 B5 ^" y2 _$ K 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.

5 `) z: ^% A% D" D% p8 i+ OMerix 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

Variable-rate mortgages are inching closer and closer to prime.

7 U6 q4 X1 U/ @/ x2 N$ hThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
9 t: y( F: q9 z5 h- b  J0 j" W年轻的心 发表于 2009-8-16 14:13

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6 P5 b7 i1 k2 u4 r; M1 nthank 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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- o& c9 c- s3 `: {+ G! c5 A3年浮动 P+0.10%

% l: e1 Q' b& x3 Y/ Q# ~5年浮动P+0.20%


3 year  fix  3.39%

& M3 B# G3 S0 n% g! }$ b4 year  fix  3.85%

- n3 G3 g+ t# ~* G! P* `5 year  fix  3.99%
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8 G% R' ~: u" p- }- B呵呵，需要的朋友请点击右边广告 Email 联系。