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：
2 W8 l5 t0 l# d# {' X
0 p1 Y8 d8 M; S; \4 i- h3年浮动 P+0.15%
: W8 d, z) ^! |0 P
5年浮动P+0.30%
% F# B- A' w4 |' h5 ]- E# u7 H
" ?- @+ W* q/ d3 c( B' I
3 year  fix  3.39%
* l: H) U2 M+ d5 o& b  X7 e
4 year  fix  3.85%
1 j7 [+ V. w2 R. a
! F' K" j9 \$ c+ s' Q5 year  fix  4.09%


, N$ o+ `& J7 v9 e4 q" z
" L3 _4 z7 {+ c8 I8 Y
+ |- z" {( m# N0 q. |, S; C% }
1 v' e$ I% x8 }6 z  P  T9 }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！
lunik 发表于 2009-8-14 19:20

. O- K$ |8 u- m7 @) n- ]/ Q( @1 l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。

2 L3 a" ?% f* L3 u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%

% [2 q9 h- E. g: Q: ]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

Variables Get More Competitive

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.
$ [) _+ N0 \+ a  z
* c- n; K( |% R7 y, \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?”  
: V9 \; L. h/ t2 e8 FThe 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).
5 ^  A3 \% h  A6 Y# G. b
" O4 r9 O; U, d! x% D) b& B0 E( nWhat’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
4 k" S' ^# N5 K1 k
* s8 K  Z- X" ]& C) T Variable-rate mortgages are inching closer and closer to prime.
  O8 u, M3 b. B8 v  l" c2 _
" ?; O6 W2 m( U* UThis 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

7 {7 Q) y7 X, B

' v7 l! J1 y7 o/ Tthank 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%

5年浮动P+0.20%

0 \7 t( s& r% \
% }2 p8 g  A+ g7 E, A3 year  fix  3.39%
+ e" F8 R* m) M
4 year  fix  3.85%
& E# ^6 ?% t, n$ s% Z9 l$ @
3 P/ [3 ^" J. a, |5 year  fix  3.99%
0 K' R2 s$ y5 O7 w) u! t( U+ g


! q3 ~; y) p  t2 D
" M  m& y' z7 X2 W, c* R
3 k  p; D: v; i呵呵，需要的朋友请点击右边广告 Email 联系。