利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

8 y" D5 ~9 w+ w  w3 l( g$ I$ o利率新动向：

3年浮动 P+0.15%
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" _0 s- |1 P5 o5年浮动P+0.30%
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3 year  fix  3.39%

3 E0 E" u5 W% K! J1 I- y1 ^4 year  fix  3.85%
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* t# \0 i  w3 L6 u8 {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！
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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: H3 A4 |3 u) W- J! 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%

2 h' s( N3 q1 `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!
0 \5 r' t) O3 `& R' dmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

( W7 `$ B1 K# \3 S1 [ Variable-rate mortgages are inching closer and closer to prime.
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6 O. `* j9 @$ x# U' oThis 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?”  
  \! `7 F/ X, f( `/ uThe 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

6 d" H; \' X; x8 V Variable-rate mortgages are inching closer and closer to prime.

6 t( R8 z+ N  E& X, s* PThis 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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, f: J' U% ]+ r' {: R' hthank 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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  Y5 R( p- _  i3年浮动 P+0.10%

( D& S& B. ]$ c, c5年浮动P+0.20%

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/ I5 [$ Z& I2 e, _% S2 g& ]) w3 year  fix  3.39%
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4 year  fix  3.85%
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5 year  fix  3.99%
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