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：

+ P4 M* h3 y9 |3年浮动 P+0.15%
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5年浮动P+0.30%

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3 year  fix  3.39%

' f; I8 g) G$ Q" g) i' ?4 year  fix  3.85%

( G  \/ Z( y- ?. z% t5 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！
% q& d6 T: s" m* m+ d8 w2 Plunik 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。

( k- m  E. D; X) k+ E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%

* \9 p5 T7 S& o4 z5 X9 u- S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!
( Z3 C2 r: q( _7 ^: G; f% Vmeijuli66 发表于 2009-8-15 23:33

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9 q+ H2 a& H, J: ZVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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$ I0 J- I! z2 b! N0 xThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

1 I" B+ a$ {: |5 eMerix 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).

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 e6 m$ n4 P: J) r6 {0 y2 E% E
Variable-rate mortgages are inching closer and closer to prime.

6 p- _3 \! R) |3 t6 x  p( G2 {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

' u# X3 A6 D  ]+ C+ |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%

/ C% Q9 y4 i( |, c5年浮动P+0.20%


3 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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