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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2 \, `. G9 T5 i3年浮动 P+0.15%
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5年浮动P+0.30%
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. ^7 G$ {2 a  Z1 o% Y$ t! T3 year  fix  3.39%

0 V6 f5 p  [/ _6 r# X4 D4 year  fix  3.85%
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0 I/ ?$ {6 J( J5 z1 [- [, s5 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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
% q% X1 e: @  C1 M2 ?0 Olunik 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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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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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!
# A: z( Y1 ^2 w: S3 |6 I, @) jmeijuli66 发表于 2009-8-15 23:33

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’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.
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).

5 [' b% K$ _% ~' f; B. wWhat’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

9 H. C6 Z" d, a0 l' p+ l Variable-rate mortgages are inching closer and closer to prime.
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  m3 `9 \0 X. L* G1 W* m# DThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
/ K8 M7 ?: b/ w7 [$ L# ]) c; D年轻的心 发表于 2009-8-16 14:13

4 N& c  o6 e& ^/ h$ A* Qthank 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%

3 S% |, G  H- _0 q5 `- Y% ^8 S5 R5年浮动P+0.20%
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: j0 l9 f9 K8 _- d3 year  fix  3.39%
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$ k1 T# o! \4 ]  X/ |/ F4 year  fix  3.85%
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5 year  fix  3.99%





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