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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利率新动向：
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3年浮动 P+0.15%
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5年浮动P+0.30%
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( o& i% T6 W0 p( u7 k3 year  fix  3.39%

6 v' L+ G- y8 [4 year  fix  3.85%
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! n2 S$ I& a3 t! f: D$ R5 year  fix  4.09%
1 E- c1 i4 |+ [1 V! l" R% \& Z, r

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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

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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%
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7 Z: F8 i, S( `2 Z- C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!
, V9 v6 B' t- L1 ^7 W7 O" ^, fmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

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

& |% J7 X' d" D1 Y2 `: o; xThis 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.
+ Q  X3 P6 h0 N: Z+ [. pYou 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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) E5 N( z: B9 x5 V: L; A9 A% ^3 ]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
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. ^5 m; {! E" T; v2 K 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’ ...
" Y. n9 v& E' U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：
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3年浮动 P+0.10%

* [. H/ F7 U& A6 z* Q) p5年浮动P+0.20%
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, ~1 h$ T( ^, H" u& L& X* W3 year  fix  3.39%

4 year  fix  3.85%

- V! {9 s6 W" v; ^; |5 year  fix  3.99%


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