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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" b( o6 |3 R8 a/ a6 N利率新动向：
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5 \/ i6 _9 s. |& ]! H3年浮动 P+0.15%
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5年浮动P+0.30%

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  k: Y& |1 z0 V9 V, H& v! j3 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

" M- G, P8 l! P; ?

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

- w7 j/ T' ]+ ^4 i8 o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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# z% ~/ a: _; W$ X' [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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4 c; \- }* i* D- }+ _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!
: R% X* @7 e1 Tmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

; |/ F1 x* V: L6 s" E- e8 T Variable-rate mortgages are inching closer and closer to prime.

: v: U9 X) }0 P6 q0 S& fThis 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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: D9 e9 W8 K6 E2 M+ m* NMerix 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 f  M0 _- a6 p% Z, L9 }6 q$ OYou 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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& j# j, k! R2 s4 g. H* q5 eWhat’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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  Q/ Y7 j& B, S: i7 Q3 D 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’ ...
$ q, Z$ b9 k/ B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：

3年浮动 P+0.10%

5年浮动P+0.20%
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' s* q5 R; D$ i+ `3 year  fix  3.39%
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* t; k, _/ ~- l* {/ t+ c( i4 year  fix  3.85%

5 year  fix  3.99%
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