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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3年浮动 P+0.15%

% h& \( x1 w) e5年浮动P+0.30%
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3 year  fix  3.39%

4 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！
lunik 发表于 2009-8-14 19:20

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+ u& e3 S. L4 |* T+ |2 m6 f) 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。
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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%
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- U/ p( s8 J( g" u- r$ 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

Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

1 d5 H' `6 R' O/ @4 o4 H; xThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
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1 e" I& A) x( i" ?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?”  
: b, Q% m; ~$ l) iThe 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
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" P( o" f% O2 q4 n9 P Variable-rate mortgages are inching closer and closer to prime.
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# [- S9 B& @: S8 r& }5 P- eThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
0 h/ J% o& C- D$ _4 k年轻的心 发表于 2009-8-16 14:13

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5 d9 ~8 E; y! G# pthank 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%
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% B) u/ S. r# c  D! m$ b. Q5年浮动P+0.20%

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3 year  fix  3.39%

6 D2 F8 i" D; y1 P4 year  fix  3.85%
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. d1 @( A1 e  P1 Y5 year  fix  3.99%
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