利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心 · 发表于 2009-8-14 14:11

本帖最后由年轻的心于 2009-8-14 15:14 编辑

利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%

3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  4.09%

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lunik · 发表于 2009-8-14 18:20

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 · 发表于 2009-8-14 21:19

本帖最后由年轻的心于 2009-8-14 22:22 编辑

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
# H7 S9 v+ C* I/ u0 P9 F) _lunik 发表于 2009-8-14 19:20

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。

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 · 发表于 2009-8-15 22:33

请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!

年轻的心 · 发表于 2009-8-16 13:13

请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
) J7 P: I6 ]2 l2 s3 Y* [$ u' tmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

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

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.
You 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).

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 · 发表于 2009-8-17 12:00

好消息！

meijuli66 · 发表于 2009-8-17 15:18

Variables Get More Competitive* b7 l, Q4 o# C5 l% D3 v4 [' b+ r
1 E) A: N- T9 K- t( ~. Q3 v+ h. O( K
Variable-rate mortgages are inching closer and closer to prime.; |$ X$ q. r8 r! [: ~4 R; \
C4 ]4 F) q: ^/ k( X
This week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’ ...4 Z! U$ A( X* A
年轻的心发表于 2009-8-16 14:13

thank you very much!

meijuli66 · 发表于 2009-8-27 14:21

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 · 发表于 2009-9-3 07:15

利率新动向：. U  E% |0 S9 X# `0 X

8 a" `, c' c7 _4 k. E1 z& }3年浮动 P+0.10%

5年浮动P+0.20%

3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%

呵呵，需要的朋友请点击右边广告 Email 联系。

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