利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

* S9 D" ]' x  ^利率新动向：

9 q! G3 T7 D) B/ G6 e9 @3年浮动 P+0.15%
3 [  T4 p- w! G! p7 @9 ^
3 ~, a% t+ A2 s3 N1 f4 u; e5年浮动P+0.30%


5 _& B9 W) C- }5 S3 year  fix  3.39%
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4 year  fix  3.85%

. l- Z9 ^8 i2 @5 Y) h8 m+ E8 i) A4 w5 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！
lunik 发表于 2009-8-14 19:20

4 m" r2 E9 F2 M3 ~* B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。

5 ?. [3 ]0 z6 S2 ]8 F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%

7 M0 c7 N) c+ U; ?/ y6 j* c' ~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

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" m, E# L, ]( X5 l( t+ _9 FVariables Get More Competitive
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) {, g& e! S  x* g Variable-rate mortgages are inching closer and closer to prime.

7 L" b7 \6 r+ J: a! |6 |% w5 {. PThis 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.
& y3 ~+ W9 q$ [: ~9 m, `You might ask yourself, “Why would I want a variable term under five years?”  
' R# n& a; G3 ^0 P. d! y; NThe 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 u$ G4 H0 b6 T6 [5 U. q3 pWhat’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.
7 o5 R# J: v9 r, E% t, }
. ~; p( H  L# E6 M6 O/ P( O- NThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
5 z# w" U# x0 m" D: e. c! \年轻的心 发表于 2009-8-16 14:13

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" w: W8 O9 s* f5 v( C$ Vthank 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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+ T, t7 @+ ]7 r# b( E& ~3年浮动 P+0.10%
# m+ X8 N/ l  [9 ^- u" N
5年浮动P+0.20%


3 year  fix  3.39%
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, t. a0 i- B2 ]1 {% n* q4 year  fix  3.85%
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5 year  fix  3.99%


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* L8 F+ G. A5 \! x呵呵，需要的朋友请点击右边广告 Email 联系。