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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) K) u  p- c  F1 m) x利率新动向：

9 ]- [2 U3 L& ?/ L1 d- }3年浮动 P+0.15%
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2 F0 Y7 |4 \6 S, i( ?5年浮动P+0.30%


# x9 O) a" s8 s# ^5 f3 year  fix  3.39%

" c7 t9 a( e" j2 ~" T7 b* [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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
, u* T: {# A5 C5 ^* R- K5 ?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。
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8 a% z0 a1 U; K8 g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 `. G0 D  N5 T" x4 s; d/ g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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" h( N* q. C7 ?5 u4 ]Variables Get More Competitive

0 I( ^' ^% e$ z' `7 _ Variable-rate mortgages are inching closer and closer to prime.
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+ p: `1 p; A1 N; z6 h3 EThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

6 L/ q" J% A' I$ PMerix 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?”  
  _9 H7 }" S: D4 |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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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

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’ ...
年轻的心 发表于 2009-8-16 14:13

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：
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9 O5 x, ?) x; Q# I8 Z4 T7 y$ ^3年浮动 P+0.10%

5年浮动P+0.20%
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3 year  fix  3.39%
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. g- R1 ^  M* s9 ?( Y$ Y3 Y4 year  fix  3.85%

6 ?# n' t+ n& I) Z, g( p9 z5 year  fix  3.99%
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