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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6 k3 v- u5 T  d& B利率新动向：
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3年浮动 P+0.15%
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5 N: r5 D: s4 M1 r$ ~+ H5年浮动P+0.30%


3 year  fix  3.39%

1 J  e1 T) |& l- V) K- B4 year  fix  3.85%
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; W. v4 B2 M+ e6 w0 e  E5 year  fix  4.09%
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/ M6 g6 Z7 p, 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

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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

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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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

. x* ~6 u' r2 \. qVariables Get More Competitive

% I$ @5 H, m% F, J- e$ `# ` Variable-rate mortgages are inching closer and closer to prime.

' t  @7 p" F9 |: XThis 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).

What’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.

& m+ t  ]3 y1 S: kThis 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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: o* ~1 @# C, ]+ E7 G5 `thank 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%


! n" s! U6 n  z0 b/ r/ y3 year  fix  3.39%

6 m( w- Q: D* p" T0 A4 year  fix  3.85%
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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。