利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：

3年浮动 P+0.15%

. W  j5 E4 F$ I( }! w5年浮动P+0.30%
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! O7 I3 l6 t) W0 y3 year  fix  3.39%
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4 year  fix  3.85%
$ s- ^! P; t9 q& b: a
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

# `: ~3 j3 E) J4 R0 m& P: }* D2 ~

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。

4 C& v2 f3 K) H7 R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%

7 G9 ]0 v* G6 W% ]8 @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 j' p, p5 R0 D( h  imeijuli66 发表于 2009-8-15 23:33

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4 r# L4 a6 D7 k* X- A) pVariables Get More Competitive
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/ ^8 [# f- U) n0 I3 T 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.

' Q* X/ i% |' PMerix 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.
, r; |4 T+ b$ m1 A  o8 r! Z/ IYou might ask yourself, “Why would I want a variable term under five years?”  
6 P" Z: G3 c% N2 sThe 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).

+ l/ o1 g) i" e0 L+ d# NWhat’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

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’ ...
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：

& g7 @2 {. ?6 c/ {3年浮动 P+0.10%

5年浮动P+0.20%
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. U8 w0 T  r$ B5 o3 year  fix  3.39%

3 S9 k7 \- e+ X6 ^' K6 X4 year  fix  3.85%
9 d+ a6 m& N# h0 S& O9 x
5 year  fix  3.99%



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