利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

+ [" r" D: h2 E  o2 ]- f4 ~利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%


% A7 S1 c* S5 O/ s7 \* V7 a3 year  fix  3.39%
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- Z1 T. t6 o1 h6 j3 b4 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

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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！
& t8 T- e* i4 B; D1 y7 b+ glunik 发表于 2009-8-14 19:20

8 B: b  n0 g5 R1 M. \' k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%
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4 ?, C" L8 x- Y4 Y  \) t7 l  Z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!
4 [/ i6 R3 A3 Z" p+ H, Y9 Hmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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( ?; G8 ]3 A  G; ?% u. t 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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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).
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- {2 W8 z' r9 C1 UWhat’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.
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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

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& T8 q' Z+ \$ T! \  d4 j- h0 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：

3年浮动 P+0.10%
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5年浮动P+0.20%

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& C. X* R, h% [7 K3 year  fix  3.39%

1 N: i" @6 ~! j0 Y9 J5 ~2 G0 m4 year  fix  3.85%

5 year  fix  3.99%
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呵呵，需要的朋友请点击右边广告 Email 联系。