利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

' U$ m, J0 ]+ `0 \2 L
: [2 t5 w5 q0 M! l) G利率新动向：
, e5 h) F5 v, V$ U3 @; C$ S
% M1 i, p  [4 g9 G* \' g/ h3年浮动 P+0.15%

5年浮动P+0.30%
) k2 J# `! q5 v  t: f1 t8 C

3 year  fix  3.39%
+ B- r& I: [$ o7 K2 H/ r  ^% R
) X* t# h; n4 ?! @, q+ \3 }4 year  fix  3.85%

5 year  fix  4.09%
  n" ^2 v. V8 l' H+ b
2 M9 l, K. s; b7 |. X
( o; Q2 `0 |0 n+ r) W- w, w

6 A9 B/ T: S, A# e0 R
呵呵，需要的朋友请点击右边广告 Email 联系。

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！
/ c9 K3 b  r# j! t% Klunik 发表于 2009-8-14 19:20

. p! l! b1 ?' G3 X/ N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。
6 I8 o2 `, s! i5 Q8 m5 l2 U5 ?$ c
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%

" h- a. S  E4 L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

9 n0 Y! q" a) U
Variables Get More Competitive
) n" L+ u7 G; t9 _# l
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.

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).

: \9 Z) S1 g9 U) R2 `  gWhat’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
# d  y. d8 d9 y
* y& W  _- \! n 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’ ...
7 _3 X. D% U; T4 f5 g年轻的心 发表于 2009-8-16 14:13

& w" t; V. Z' x' J
# z7 v% d6 k, r) u. xthank 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%
+ {9 m: u  w, U. _) _
" W3 j) V4 M& Q7 J9 _, l0 @1 v/ E5年浮动P+0.20%

! k) x2 o) c8 p2 Y0 U' i$ m1 E) P
2 i0 c! Q1 `4 T  Y3 year  fix  3.39%
; K' l# Z, p6 k2 q+ y
+ O0 C4 E3 K0 j4 year  fix  3.85%

" E6 A; |3 Q! W6 [3 g5 P5 year  fix  3.99%
( n, A' m; p5 r" G* F$ N6 R: V
! A9 K. y9 A' q; H; |/ q

  O5 @7 t; K8 T4 O- e. h

呵呵，需要的朋友请点击右边广告 Email 联系。