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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利率新动向：

6 v3 D1 n* p3 f' [9 i! p8 j3年浮动 P+0.15%

# N! n% g# O5 Z: i& b: X5年浮动P+0.30%

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3 year  fix  3.39%
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" n# [5 y8 k" j9 X) Q4 year  fix  3.85%
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7 `: F1 {( {0 L. H& Q5 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！
8 q" A  I3 c% s; P( Mlunik 发表于 2009-8-14 19:20

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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。

' B* ?+ t" n+ W: |& @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%

3 L; _# I  D! K& k  ~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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" z" ?. V6 H4 \+ U5 eVariables Get More Competitive

9 u- m4 E# D3 r' ?2 K  j, M6 W 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’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.
/ s; k- G  G9 R6 lYou 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).
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2 \9 P" r7 @2 ]3 vWhat’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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- z3 W) E7 z# _5 I2 j, I% c4 L Variable-rate mortgages are inching closer and closer to prime.

) A& j# q) I$ I+ k# JThis 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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& @* Y1 ^, K; A; Ethank 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%
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/ H: C3 E# Y7 U' T; E1 k5年浮动P+0.20%
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: Q( i$ {* P$ a; |: {3 year  fix  3.39%
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% G, A- i* i: r& k% q+ s1 v4 year  fix  3.85%
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1 t7 O" _4 m4 o+ F4 b" y) c8 }5 year  fix  3.99%
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