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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% _. o! O+ o' t3 w8 a利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%

0 |; M8 w. |5 a  L4 year  fix  3.85%
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! @) Y# ^( ~3 r3 A  {+ _; h- p9 _5 year  fix  4.09%
+ [5 n% }! n# e. t  x/ ^


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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

3 Z6 R( H/ K! g6 D% ?

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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" D! H2 c1 \2 ]9 V+ b0 k( y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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2 ?+ K, Z2 r# _+ \; 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%

) g2 d3 F; [8 z( i, a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!
) L& a- o& ^9 z, u- e8 omeijuli66 发表于 2009-8-15 23:33

" A, Z0 [; H. rVariables Get More Competitive
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9 G0 L& R+ [/ N" Z9 V Variable-rate mortgages are inching closer and closer to prime.
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( s* G8 X7 q5 M8 e4 l5 i0 h# ZThis 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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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.
8 d! C1 Q7 p, G. kYou might ask yourself, “Why would I want a variable term under five years?”  
3 S* F7 i* @. z* T" G- eThe 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).

$ T/ @( ~2 b! v9 cWhat’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

# T* x7 y8 A. K" g* Y+ d 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’ ...
! C, h; l$ G9 u9 f" l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%

6 l" r* F& f/ _2 i& o/ z* `# @) x5年浮动P+0.20%
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* J7 y4 o0 p  U9 l5 K& @7 I8 ?3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%
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