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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1 ?3 Y$ o1 h3 b& c8 [* H' P利率新动向：

/ w& X! U  D" x0 y- S% C0 z3年浮动 P+0.15%

5年浮动P+0.30%
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: K, O: x3 V2 R$ U3 year  fix  3.39%

4 year  fix  3.85%
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! i( w6 s& p% s- S+ K+ r- d! x; B5 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 v5 Y3 ]5 C9 U% h* k: Q7 a7 G" wlunik 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。

; {* ~  J0 c: a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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8 ~8 T" w$ I# M2 A+ w/ V: l" P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

- S+ V2 J. G% T6 d& e# h( H& A/ YVariables Get More Competitive
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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.
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' u/ j3 v, N3 }% H* H" qMerix 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?”  
9 `5 E: x" ]( zThe 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 t- `9 I1 V* M6 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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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
- X3 d6 q1 ^" ?  U年轻的心 发表于 2009-8-16 14:13

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& p) \9 n6 f% j4 i  Z. {, W0 fthank 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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4 t+ d6 W3 Z4 M6 d# p3年浮动 P+0.10%
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5年浮动P+0.20%
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1 X* g2 n& n1 M$ g1 c4 T3 year  fix  3.39%
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' ~- s& i. `4 o1 P' r( C& g4 year  fix  3.85%

- F. A. \4 B% |: B5 year  fix  3.99%


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" R- g) N5 `4 |: Y* V呵呵，需要的朋友请点击右边广告 Email 联系。