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%
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# }8 O& X; J3 }- z3 year  fix  3.39%

; C( v0 a! t3 n4 year  fix  3.85%
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9 i1 J& B4 T2 d8 ~2 g9 _4 u+ {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

; l0 q+ R6 k# \# o, v7 y! V: N

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

0 p! }# |9 @; ~% }: 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。

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%

$ k" K+ Z" p& v" I7 |$ A0 ?6 \- J* 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!
# r' x7 i* M8 A& L2 M8 ~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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( I4 h  F3 F' I$ d, {; ]8 |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.
) j& ?. P! T3 B+ o0 ~0 d- PYou might ask yourself, “Why would I want a variable term under five years?”  
) t2 b; M6 [2 y) b, SThe 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).

9 ?9 x1 D1 K6 D& i9 iWhat’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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Variable-rate mortgages are inching closer and closer to prime.
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! E+ L8 z5 Z# r/ i; j; y4 XThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
- f5 R- w8 s/ C& |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：

% k  t' J% ~: x3 o( x4 V3年浮动 P+0.10%

# X7 B# ^5 Q5 a5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%
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" r; \) n5 G% U8 Q3 E5 year  fix  3.99%
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7 R, y5 v8 j# ]: B& D' R) D5 [呵呵，需要的朋友请点击右边广告 Email 联系。