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：
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" h7 C: j& R) g: L$ D& T3年浮动 P+0.15%
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' y( p! C9 G3 y0 a5年浮动P+0.30%
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+ ]9 S3 s0 T8 L/ p% ~) S3 year  fix  3.39%
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+ ?0 R9 K8 O5 s. w4 _4 year  fix  3.85%
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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

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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

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5 J1 B  s  s, G4 k- V8 v' 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。
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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%

$ Q: i! f4 H% L% 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!
; z) D( Q: E" omeijuli66 发表于 2009-8-15 23:33

* ]' b9 p1 g3 ~3 L+ n4 ?+ e7 PVariables Get More Competitive

! [0 @6 p; I0 Y6 T: i9 ~7 z$ @, R Variable-rate mortgages are inching closer and closer to prime.
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) c: N5 G1 S; Z* C7 F) `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.
0 c' w+ y* [' h& E, ~! r: CYou 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).

8 Y9 I0 R% C: K) Y% |6 WWhat’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; ^- K- C4 s' W1 Y9 H/ T 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’ ...
3 ], `* k# @; ?年轻的心 发表于 2009-8-16 14:13

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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：

( x9 y2 I5 p" B. ^- l$ K2 ^, ?! r1 u/ w3年浮动 P+0.10%

5年浮动P+0.20%
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3 year  fix  3.39%

0 u9 r8 H: e8 \9 w+ U4 year  fix  3.85%
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2 I# p1 z& q/ v* @  l$ g4 `5 year  fix  3.99%


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4 x( h) e3 B8 g+ ^/ F) o0 U. h( d呵呵，需要的朋友请点击右边广告 Email 联系。