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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0 _& H( ]# z7 C$ X: R# t利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%


  D1 ?, r6 r" C& _+ U" ?: R! _3 year  fix  3.39%

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

) o: }- I/ S2 S. B6 h

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
0 b) ?3 @2 w3 G$ h# ]lunik 发表于 2009-8-14 19:20

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; ^8 M4 I5 E/ [3 ]9 V& }# l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。

2 y" g7 R  i: M& ^4 j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

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

2 q5 o* `+ j. L5 c# SVariables 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.
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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.
: O# m3 |. W2 S. Q1 Q1 \! D- ]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

好消息！

meijuli66

Variables Get More Competitive

" H/ Q/ S) J9 }/ g% B) x  t Variable-rate mortgages are inching closer and closer to prime.
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2 _. Y" i+ X, V# V' }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

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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：

5 J: U" R7 o) O3年浮动 P+0.10%

- Y$ ?6 Y" T) {" x9 L8 C& u# U+ I5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%
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5 @2 ^5 F8 l; t1 z* N5 year  fix  3.99%
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