利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

9 `: x* F  ]$ j' i# R6 F" }利率新动向：

% s; r+ A  t# ?! c3年浮动 P+0.15%
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  d7 d1 f+ ?& N+ h: t  [# @' W) m5年浮动P+0.30%


3 year  fix  3.39%
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" f+ O; b! D, V% R/ u; I: Y4 year  fix  3.85%

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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
2 a+ i2 L- x5 O/ a6 c" N  X$ wlunik 发表于 2009-8-14 19:20

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6 V5 M! s0 }* Z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。

3 j9 S, J8 l, q  z' m) y6 U7 n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%

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!
& |8 G# e  R  M& _: h+ E" }meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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, f: ^0 u3 M% m9 V Variable-rate mortgages are inching closer and closer to prime.
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" g  y3 _2 i) E' [; Y6 ?( D7 A$ KThis 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.
1 F# v- M: v# y- g0 v9 yYou might ask yourself, “Why would I want a variable term under five years?”  
. e" Y9 Q' [. d1 M2 r. SThe 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 G# @# O8 B& 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
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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

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：
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3年浮动 P+0.10%

5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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$ M4 d7 m0 H. r# D$ D1 M- N呵呵，需要的朋友请点击右边广告 Email 联系。